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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 | $12,350 | $166,242-92.6% | $165,071-92.5% | $145,884-91.5% |
| Participation rate | 63.6% | 82.0%-18.4pp | 78.6%-15.0pp | 80.3%-16.7pp |
| Annual return | 12.78% | 100.44%-87.7pp | 70.17%-57.4pp | 551.85%-539.1pp |
| Employer contribution / active EE | $1,478 | $5,283-72.0% | $4,347-66.0% | $4,662-68.3% |
| Participant deferral / active EE | $1,683 | $6,964-75.8% | $6,035-72.1% | $6,690-74.8% |
| Admin fee / account holder | $3,255 | $16,658-80.5% | $12,695-74.4% | $13,392-75.7% |