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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 | $28,378 | $196,972-85.6% | $182,262-84.4% | $198,609-85.7% |
| Participation rate | 65.2% | 85.7%-20.5pp | 84.2%-19.0pp | 82.4%-17.2pp |
| Annual return | 29.93% | 158.27%-128.3pp | 140.60%-110.7pp | 202.70%-172.8pp |
| Employer contribution / active EE | $5,378 | $5,364+0.3% | $5,046+6.6% | $5,055+6.4% |
| Participant deferral / active EE | $3,383 | $8,643-60.9% | $8,276-59.1% | $6,977-51.5% |
| Admin fee / account holder | $583 | $18,429-96.8% | $16,712-96.5% | $19,030-96.9% |