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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 | $21,071 | $144,130-85.4% | $117,861-82.1% | $147,586-85.7% |
| Participation rate | 40.0% | 83.4%-43.4pp | 79.7%-39.7pp | 82.8%-42.8pp |
| Annual return | 13.87% | 531.20%-517.3pp | 335.11%-321.2pp | 578.59%-564.7pp |
| Employer contribution / active EE | $1,061 | $4,897-78.3% | $3,786-72.0% | $4,876-78.2% |
| Participant deferral / active EE | $1,541 | $5,316-71.0% | $4,482-65.6% | $5,439-71.7% |
| Admin fee / account holder | $8,268 | $10,887-24.1% | $8,021+3.1% | $10,886-24.1% |