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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 | $15,102 | $160,040-90.6% | $147,096-89.7% | $145,877-89.6% |
| Participation rate | 44.4% | 84.0%-39.6pp | 82.2%-37.7pp | 80.3%-35.9pp |
| Annual return | 18.57% | 98.49%-79.9pp | 419.75%-401.2pp | 551.28%-532.7pp |
| Employer contribution / active EE | $1,428 | $5,289-73.0% | $4,936-71.1% | $4,663-69.4% |
| Participant deferral / active EE | $2,125 | $8,429-74.8% | $8,071-73.7% | $6,691-68.2% |
| Admin fee / account holder | $4,898 | $15,050-67.5% | $13,005-62.3% | $13,402-63.5% |