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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 | $11,617 | $185,883-93.8% | $170,043-93.2% | $139,466-91.7% |
| Participation rate | 30.0% | 87.8%-57.8pp | 87.0%-57.0pp | 80.3%-50.3pp |
| Annual return | 17.18% | 60.54%-43.4pp | 53.40%-36.2pp | 373.66%-356.5pp |
| Employer contribution / active EE | $1,905 | $7,596-74.9% | $6,790-71.9% | $4,754-59.9% |
| Participant deferral / active EE | $2,968 | $11,626-74.5% | $10,410-71.5% | $6,712-55.8% |
| Admin fee / account holder | $802 | $15,393-94.8% | $12,824-93.7% | $11,409-93.0% |