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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 | $18,349 | $105,200-82.6% | $159,474-88.5% | $85,847-78.6% |
| Participation rate | 67.6% | 75.8%-8.2pp | 82.8%-15.3pp | 69.3%-1.8pp |
| Annual return | 13.21% | 45.08%-31.9pp | 263.68%-250.5pp | 318.61%-305.4pp |
| Employer contribution / active EE | $890 | $3,319-73.2% | $4,831-81.6% | $2,565-65.3% |
| Participant deferral / active EE | $2,185 | $5,946-63.3% | $7,353-70.3% | $3,952-44.7% |
| Admin fee / account holder | $363 | $6,934-94.8% | $10,802-96.6% | $6,261-94.2% |