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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 | $15,278 | $160,040-90.5% | $147,096-89.6% | $145,877-89.5% |
| Participation rate | 57.1% | 84.0%-26.9pp | 82.2%-25.0pp | 80.3%-23.2pp |
| Annual return | 27.99% | 98.49%-70.5pp | 419.75%-391.8pp | 551.28%-523.3pp |
| Employer contribution / active EE | $1,266 | $5,289-76.1% | $4,936-74.4% | $4,663-72.8% |
| Participant deferral / active EE | $1,493 | $8,429-82.3% | $8,071-81.5% | $6,691-77.7% |
| Admin fee / account holder | $2,085 | $15,050-86.1% | $13,005-84.0% | $13,402-84.4% |