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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 | $15,697 | $160,070-90.2% | $147,117-89.3% | $145,897-89.2% |
| Participation rate | 42.9% | 84.0%-41.2pp | 82.2%-39.3pp | 80.3%-37.4pp |
| Annual return | 18.68% | 98.69%-80.0pp | 420.54%-401.9pp | 552.29%-533.6pp |
| Employer contribution / active EE | $1,765 | $5,285-66.6% | $4,932-64.2% | $4,663-62.2% |
| Participant deferral / active EE | $2,138 | $8,419-74.6% | $8,065-73.5% | $6,689-68.0% |
| Admin fee / account holder | $7,766 | $15,035-48.4% | $12,993-40.2% | $13,390-42.0% |