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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 | $10,782 | $160,040-93.3% | $147,096-92.7% | $145,877-92.6% |
| Participation rate | 56.3% | 84.0%-27.8pp | 82.2%-25.9pp | 80.3%-24.1pp |
| Annual return | 13.63% | 98.49%-84.9pp | 419.75%-406.1pp | 551.28%-537.7pp |
| Employer contribution / active EE | $1,225 | $5,289-76.8% | $4,936-75.2% | $4,663-73.7% |
| Participant deferral / active EE | $1,882 | $8,429-77.7% | $8,071-76.7% | $6,691-71.9% |
| Admin fee / account holder | $1,142 | $15,050-92.4% | $13,005-91.2% | $13,402-91.5% |