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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 | $14,265 | $148,582-90.4% | $135,942-89.5% | $139,456-89.8% |
| Participation rate | 30.0% | 83.9%-53.9pp | 81.9%-51.9pp | 80.3%-50.3pp |
| Annual return | 12.82% | 79.26%-66.4pp | 68.28%-55.5pp | 373.45%-360.6pp |
| Employer contribution / active EE | $1,756 | $5,245-66.5% | $4,858-63.9% | $4,753-63.1% |
| Participant deferral / active EE | $2,156 | $8,101-73.4% | $7,759-72.2% | $6,711-67.9% |
| Admin fee / account holder | $1,879 | $12,402-84.9% | $10,764-82.5% | $11,407-83.5% |