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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 | $13,637 | $89,370-84.7% | $141,197-90.3% | $72,976-81.3% |
| Participation rate | 65.9% | 75.1%-9.2pp | 82.5%-16.6pp | 69.5%-3.6pp |
| Annual return | 26.17% | 111.88%-85.7pp | 71.41%-45.2pp | 81.02%-54.9pp |
| Employer contribution / active EE | $2,939 | $3,115-5.7% | $4,736-38.0% | $2,440+20.4% |
| Participant deferral / active EE | $1,640 | $5,419-69.7% | $6,710-75.6% | $3,608-54.5% |
| Admin fee / account holder | $2,349 | $5,957-60.6% | $10,265-77.1% | $5,124-54.2% |