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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 | $10,827 | $175,259-93.8% | $149,723-92.8% | $139,487-92.2% |
| Participation rate | 54.5% | 83.4%-28.8pp | 78.8%-24.2pp | 80.3%-25.8pp |
| Annual return | 12.05% | 166.82%-154.8pp | 134.50%-122.4pp | 373.84%-361.8pp |
| Employer contribution / active EE | $1,294 | $5,478-76.4% | $4,821-73.2% | $4,755-72.8% |
| Participant deferral / active EE | $1,815 | $6,522-72.2% | $5,682-68.1% | $6,713-73.0% |
| Admin fee / account holder | $1,796 | $16,158-88.9% | $13,215-86.4% | $11,407-84.3% |