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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 | $16,026 | $165,381-90.3% | $149,730-89.3% | $158,966-89.9% |
| Participation rate | 56.3% | 84.6%-28.3pp | 82.5%-26.2pp | 82.0%-25.7pp |
| Annual return | 34.64% | 348.29%-313.7pp | 276.70%-242.1pp | 302.95%-268.3pp |
| Employer contribution / active EE | $1,457 | $5,104-71.5% | $4,645-68.6% | $4,762-69.4% |
| Participant deferral / active EE | $1,884 | $7,182-73.8% | $6,843-72.5% | $5,983-68.5% |
| Admin fee / account holder | $660 | $10,809-93.9% | $9,310-92.9% | $11,250-94.1% |