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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 | $8,627 | $160,070-94.6% | $147,117-94.1% | $145,897-94.1% |
| Participation rate | 62.5% | 84.0%-21.5pp | 82.2%-19.7pp | 80.3%-17.8pp |
| Annual return | 15.35% | 98.69%-83.3pp | 420.54%-405.2pp | 552.29%-536.9pp |
| Employer contribution / active EE | $1,283 | $5,285-75.7% | $4,932-74.0% | $4,663-72.5% |
| Participant deferral / active EE | $2,066 | $8,419-75.5% | $8,065-74.4% | $6,689-69.1% |
| Admin fee / account holder | $4,268 | $15,035-71.6% | $12,993-67.1% | $13,390-68.1% |