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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 | $14,999 | $165,399-90.9% | $149,745-90.0% | $158,982-90.6% |
| Participation rate | 40.0% | 84.6%-44.6pp | 82.5%-42.5pp | 82.0%-42.0pp |
| Annual return | 16.31% | 348.34%-332.0pp | 276.72%-260.4pp | 302.99%-286.7pp |
| Employer contribution / active EE | $1,346 | $5,105-73.6% | $4,646-71.0% | $4,763-71.7% |
| Participant deferral / active EE | $1,732 | $7,183-75.9% | $6,843-74.7% | $5,983-71.1% |
| Admin fee / account holder | $9,211 | $10,811-14.8% | $9,312-1.1% | $11,252-18.1% |