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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 | $12,588 | $148,623-91.5% | $135,974-90.7% | $139,466-91.0% |
| Participation rate | 59.1% | 83.9%-24.8pp | 81.9%-22.8pp | 80.3%-21.2pp |
| Annual return | 27.50% | 79.30%-51.8pp | 68.30%-40.8pp | 373.66%-346.2pp |
| Employer contribution / active EE | $1,363 | $5,246-74.0% | $4,859-71.9% | $4,754-71.3% |
| Participant deferral / active EE | $1,692 | $8,103-79.1% | $7,760-78.2% | $6,712-74.8% |
| Admin fee / account holder | $1,545 | $12,406-87.5% | $10,767-85.7% | $11,409-86.5% |