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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 | $5,721 | $165,399-96.5% | $149,745-96.2% | $158,982-96.4% |
| Participation rate | 58.3% | 84.6%-26.2pp | 82.5%-24.1pp | 82.0%-23.6pp |
| Annual return | 74.06% | 348.34%-274.3pp | 276.72%-202.7pp | 302.99%-228.9pp |
| Employer contribution / active EE | $1,070 | $5,105-79.0% | $4,646-77.0% | $4,763-77.5% |
| Participant deferral / active EE | $1,583 | $7,183-78.0% | $6,843-76.9% | $5,983-73.5% |
| Admin fee / account holder | $303 | $10,811-97.2% | $9,312-96.7% | $11,252-97.3% |