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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 | $12,493 | $198,462-93.7% | $170,439-92.7% | $147,585-91.5% |
| Participation rate | 13.0% | 88.0%-74.9pp | 83.6%-70.6pp | 82.8%-69.8pp |
| Annual return | 34.41% | 257.30%-222.9pp | 205.94%-171.5pp | 578.58%-544.2pp |
| Employer contribution / active EE | $0 | $6,184-100.0% | $5,433-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $1,204 | $5,629-78.6% | $4,939-75.6% | $5,439-77.9% |
| Admin fee / account holder | $968 | $16,852-94.3% | $13,881-93.0% | $10,886-91.1% |