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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 | $12,789 | $160,040-92.0% | $147,096-91.3% | $145,877-91.2% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 13.59% | 98.49%-84.9pp | 419.75%-406.2pp | 551.28%-537.7pp |
| Employer contribution / active EE | $1,258 | $5,289-76.2% | $4,936-74.5% | $4,663-73.0% |
| Participant deferral / active EE | $1,405 | $8,429-83.3% | $8,071-82.6% | $6,691-79.0% |
| Admin fee / account holder | $1,029 | $15,050-93.2% | $13,005-92.1% | $13,402-92.3% |