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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 | $16,846 | $160,070-89.5% | $147,117-88.5% | $145,897-88.5% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 12.64% | 98.69%-86.1pp | 420.54%-407.9pp | 552.29%-539.7pp |
| Employer contribution / active EE | $1,029 | $5,285-80.5% | $4,932-79.1% | $4,663-77.9% |
| Participant deferral / active EE | $1,259 | $8,419-85.0% | $8,065-84.4% | $6,689-81.2% |
| Admin fee / account holder | $3,430 | $15,035-77.2% | $12,993-73.6% | $13,390-74.4% |