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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 | $17,375 | $176,120-90.1% | $159,487-89.1% | $167,553-89.6% |
| Participation rate | 43.5% | 85.0%-41.5pp | 82.8%-39.4pp | 82.1%-38.6pp |
| Annual return | 12.10% | 331.95%-319.8pp | 263.71%-251.6pp | 478.89%-466.8pp |
| Employer contribution / active EE | $987 | $5,299-81.4% | $4,831-79.6% | $4,840-79.6% |
| Participant deferral / active EE | $1,841 | $7,752-76.2% | $7,354-75.0% | $6,343-71.0% |
| Admin fee / account holder | $439 | $12,561-96.5% | $10,804-95.9% | $12,316-96.4% |