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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 | $14,762 | $129,737-88.6% | $119,126-87.6% | $154,746-90.5% |
| Participation rate | 44.4% | 78.9%-34.4pp | 75.8%-31.3pp | 80.7%-36.3pp |
| Annual return | 17.09% | 379.08%-362.0pp | 282.11%-265.0pp | 172.34%-155.2pp |
| Employer contribution / active EE | $1,003 | $4,375-77.1% | $4,034-75.1% | $4,379-77.1% |
| Participant deferral / active EE | $1,256 | $5,842-78.5% | $5,318-76.4% | $6,730-81.3% |
| Admin fee / account holder | $2,420 | $11,961-79.8% | $10,693-77.4% | $14,365-83.2% |