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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 | $11,989 | $165,381-92.8% | $149,730-92.0% | $158,966-92.5% |
| Participation rate | 20.0% | 84.6%-64.6pp | 82.5%-62.5pp | 82.0%-62.0pp |
| Annual return | 27.93% | 348.29%-320.4pp | 276.70%-248.8pp | 302.95%-275.0pp |
| Employer contribution / active EE | $1,800 | $5,104-64.7% | $4,645-61.3% | $4,762-62.2% |
| Participant deferral / active EE | $983 | $7,182-86.3% | $6,843-85.6% | $5,983-83.6% |
| Admin fee / account holder | $9,323 | $10,809-13.8% | $9,310+0.1% | $11,250-17.1% |