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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 | $3,319 | $176,105-98.1% | $159,474-97.9% | $167,536-98.0% |
| Participation rate | 64.7% | 85.0%-20.2pp | 82.8%-18.1pp | 82.1%-17.4pp |
| Annual return | 16.60% | 331.91%-315.3pp | 263.68%-247.1pp | 478.82%-462.2pp |
| Employer contribution / active EE | $985 | $5,299-81.4% | $4,831-79.6% | $4,839-79.6% |
| Participant deferral / active EE | $1,524 | $7,751-80.3% | $7,353-79.3% | $6,342-76.0% |
| Admin fee / account holder | $890 | $12,559-92.9% | $10,802-91.8% | $12,315-92.8% |