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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 | $11,799 | $176,105-93.3% | $159,474-92.6% | $167,536-93.0% |
| Participation rate | 41.7% | 85.0%-43.3pp | 82.8%-41.2pp | 82.1%-40.4pp |
| Annual return | 14.92% | 331.91%-317.0pp | 263.68%-248.8pp | 478.82%-463.9pp |
| Employer contribution / active EE | $1,066 | $5,299-79.9% | $4,831-77.9% | $4,839-78.0% |
| Participant deferral / active EE | $2,375 | $7,751-69.4% | $7,353-67.7% | $6,342-62.6% |
| Admin fee / account holder | $2,962 | $12,559-76.4% | $10,802-72.6% | $12,315-75.9% |