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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,241 | $183,988-93.3% | $162,177-92.5% | $152,897-92.0% |
| Participation rate | 37.5% | 88.5%-51.0pp | 87.6%-50.1pp | 82.5%-45.0pp |
| Annual return | 24.99% | 150.79%-125.8pp | 115.60%-90.6pp | 345.43%-320.4pp |
| Employer contribution / active EE | $0 | $6,370-100.0% | $5,613-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $2,562 | $8,032-68.1% | $7,297-64.9% | $5,851-56.2% |
| Admin fee / account holder | $1,459 | $13,123-88.9% | $10,843-86.5% | $11,599-87.4% |