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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 | $33,514 | $171,492-80.5% | $150,734-77.8% | $198,609-83.1% |
| Participation rate | 63.6% | 81.4%-17.8pp | 78.4%-14.8pp | 82.4%-18.7pp |
| Annual return | 17.47% | 804.70%-787.2pp | 600.81%-583.3pp | 202.70%-185.2pp |
| Employer contribution / active EE | $1,830 | $5,470-66.5% | $4,918-62.8% | $5,055-63.8% |
| Participant deferral / active EE | $2,509 | $6,259-59.9% | $5,610-55.3% | $6,977-64.0% |
| Admin fee / account holder | $1,380 | $17,628-92.2% | $14,905-90.7% | $19,030-92.7% |