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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 | $6,256 | $175,259-96.4% | $149,723-95.8% | $139,487-95.5% |
| Participation rate | 61.5% | 83.4%-21.9pp | 78.8%-17.2pp | 80.3%-18.8pp |
| Annual return | 29.51% | 166.82%-137.3pp | 134.50%-105.0pp | 373.84%-344.3pp |
| Employer contribution / active EE | $1,696 | $5,478-69.0% | $4,821-64.8% | $4,755-64.3% |
| Participant deferral / active EE | $1,797 | $6,522-72.4% | $5,682-68.4% | $6,713-73.2% |
| Admin fee / account holder | $1,648 | $16,158-89.8% | $13,215-87.5% | $11,407-85.6% |