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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 | $15,416 | $93,345-83.5% | $119,126-87.1% | $87,485-82.4% |
| Participation rate | 68.6% | 68.7%-0.1pp | 75.8%-7.1pp | 68.9%-0.3pp |
| Annual return | 13.14% | 19.08%-5.9pp | 282.11%-269.0pp | 26.06%-12.9pp |
| Employer contribution / active EE | $844 | $3,172-73.4% | $4,034-79.1% | $2,596-67.5% |
| Participant deferral / active EE | $1,261 | $4,099-69.2% | $5,318-76.3% | $4,274-70.5% |
| Admin fee / account holder | $1,463 | $8,039-81.8% | $10,693-86.3% | $7,775-81.2% |