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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 | $18,815 | $197,625-90.5% | $177,840-89.4% | $158,966-88.2% |
| Participation rate | 63.2% | 88.5%-25.4pp | 87.7%-24.6pp | 82.0%-18.8pp |
| Annual return | 19.07% | 58.76%-39.7pp | 48.32%-29.3pp | 302.95%-283.9pp |
| Employer contribution / active EE | $0 | $6,698-100.0% | $5,919-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $1,900 | $8,405-77.4% | $7,714-75.4% | $5,983-68.2% |
| Admin fee / account holder | $678 | $15,405-95.6% | $12,431-94.5% | $11,250-94.0% |