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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 | $12,646 | $157,276-92.0% | $141,177-91.0% | $152,885-91.7% |
| Participation rate | 52.4% | 84.8%-32.4pp | 82.5%-30.1pp | 82.5%-30.1pp |
| Annual return | 40.91% | 64.33%-23.4pp | 71.40%-30.5pp | 345.39%-304.5pp |
| Employer contribution / active EE | $1,180 | $5,262-77.6% | $4,736-75.1% | $4,763-75.2% |
| Participant deferral / active EE | $1,598 | $7,110-77.5% | $6,710-76.2% | $5,851-72.7% |
| Admin fee / account holder | $969 | $12,123-92.0% | $10,263-90.6% | $11,598-91.6% |