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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 | $11,740 | $197,637-94.1% | $177,848-93.4% | $158,982-92.6% |
| Participation rate | 23.1% | 88.5%-65.5pp | 87.7%-64.6pp | 82.0%-58.9pp |
| Annual return | 10.03% | 58.77%-48.7pp | 48.33%-38.3pp | 302.99%-293.0pp |
| Employer contribution / active EE | $0 | $6,698-100.0% | $5,919-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $808 | $8,405-90.4% | $7,714-89.5% | $5,983-86.5% |
| Admin fee / account holder | $1,099 | $15,406-92.9% | $12,431-91.2% | $11,252-90.2% |