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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 | $12,566 | $166,268-92.4% | $165,100-92.4% | $145,897-91.4% |
| Participation rate | 53.8% | 82.0%-28.2pp | 78.6%-24.8pp | 80.3%-26.5pp |
| Annual return | 12.23% | 100.52%-88.3pp | 70.21%-58.0pp | 552.29%-540.1pp |
| Employer contribution / active EE | $2,170 | $5,284-58.9% | $4,348-50.1% | $4,663-53.5% |
| Participant deferral / active EE | $1,657 | $6,964-76.2% | $6,035-72.6% | $6,689-75.2% |
| Admin fee / account holder | $1,085 | $16,659-93.5% | $12,696-91.5% | $13,390-91.9% |