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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 | $25,780 | $196,972-86.9% | $182,262-85.9% | $198,609-87.0% |
| Participation rate | 50.0% | 85.7%-35.7pp | 84.2%-34.2pp | 82.4%-32.4pp |
| Annual return | 23.28% | 158.27%-135.0pp | 140.60%-117.3pp | 202.70%-179.4pp |
| Employer contribution / active EE | $1,858 | $5,364-65.4% | $5,046-63.2% | $5,055-63.3% |
| Participant deferral / active EE | $3,079 | $8,643-64.4% | $8,276-62.8% | $6,977-55.9% |
| Admin fee / account holder | $6,025 | $18,429-67.3% | $16,712-63.9% | $19,030-68.3% |