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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 | $12,991 | $227,399-94.3% | $189,758-93.2% | $198,609-93.5% |
| Participation rate | 69.2% | 84.0%-14.8pp | 79.8%-10.6pp | 82.4%-13.1pp |
| Annual return | 19.21% | 61.03%-41.8pp | 52.62%-33.4pp | 202.70%-183.5pp |
| Employer contribution / active EE | $1,549 | $5,526-72.0% | $4,767-67.5% | $5,055-69.4% |
| Participant deferral / active EE | $2,251 | $6,837-67.1% | $5,856-61.6% | $6,977-67.7% |
| Admin fee / account holder | $1,329 | $25,162-94.7% | $20,388-93.5% | $19,030-93.0% |