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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 | $11,447 | $129,737-91.2% | $119,126-90.4% | $154,746-92.6% |
| Participation rate | 15.4% | 78.9%-63.5pp | 75.8%-60.4pp | 80.7%-65.3pp |
| Annual return | 22.17% | 379.08%-356.9pp | 282.11%-259.9pp | 172.34%-150.2pp |
| Employer contribution / active EE | $962 | $4,375-78.0% | $4,034-76.2% | $4,379-78.0% |
| Participant deferral / active EE | $1,356 | $5,842-76.8% | $5,318-74.5% | $6,730-79.9% |
| Admin fee / account holder | $10,837 | $11,961-9.4% | $10,693+1.3% | $14,365-24.6% |