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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 | $18,017 | $175,257-89.7% | $149,717-88.0% | $139,456-87.1% |
| Participation rate | 63.6% | 83.4%-19.8pp | 78.8%-15.1pp | 80.3%-16.7pp |
| Annual return | 19.60% | 166.70%-147.1pp | 134.41%-114.8pp | 373.45%-353.8pp |
| Employer contribution / active EE | $1,324 | $5,477-75.8% | $4,820-72.5% | $4,753-72.1% |
| Participant deferral / active EE | $1,812 | $6,521-72.2% | $5,682-68.1% | $6,711-73.0% |
| Admin fee / account holder | $465 | $16,156-97.1% | $13,213-96.5% | $11,407-95.9% |