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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 | $17,816 | $165,399-89.2% | $149,745-88.1% | $158,982-88.8% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 20.93% | 348.34%-327.4pp | 276.72%-255.8pp | 302.99%-282.1pp |
| Employer contribution / active EE | $1,411 | $5,105-72.4% | $4,646-69.6% | $4,763-70.4% |
| Participant deferral / active EE | $1,903 | $7,183-73.5% | $6,843-72.2% | $5,983-68.2% |
| Admin fee / account holder | $614 | $10,811-94.3% | $9,312-93.4% | $11,252-94.5% |