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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 | $20,682 | $217,432-90.5% | $185,849-88.9% | $167,536-87.7% |
| Participation rate | 52.6% | 86.1%-33.4pp | 81.7%-29.1pp | 82.1%-29.5pp |
| Annual return | 15.20% | 148.42%-133.2pp | 122.10%-106.9pp | 478.82%-463.6pp |
| Employer contribution / active EE | $1,570 | $5,875-73.3% | $5,169-69.6% | $4,839-67.6% |
| Participant deferral / active EE | $2,257 | $6,357-64.5% | $5,569-59.5% | $6,342-64.4% |
| Admin fee / account holder | $1,372 | $19,818-93.1% | $16,244-91.6% | $12,315-88.9% |