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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 | $14,731 | $165,399-91.1% | $149,745-90.2% | $158,982-90.7% |
| Participation rate | 53.3% | 84.6%-31.2pp | 82.5%-29.1pp | 82.0%-28.6pp |
| Annual return | 20.00% | 348.34%-328.3pp | 276.72%-256.7pp | 302.99%-283.0pp |
| Employer contribution / active EE | $1,399 | $5,105-72.6% | $4,646-69.9% | $4,763-70.6% |
| Participant deferral / active EE | $1,939 | $7,183-73.0% | $6,843-71.7% | $5,983-67.6% |
| Admin fee / account holder | $3,890 | $10,811-64.0% | $9,312-58.2% | $11,252-65.4% |