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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 | $11,557 | $165,399-93.0% | $149,745-92.3% | $158,982-92.7% |
| Participation rate | 50.0% | 84.6%-34.6pp | 82.5%-32.5pp | 82.0%-32.0pp |
| Annual return | 23.43% | 348.34%-324.9pp | 276.72%-253.3pp | 302.99%-279.6pp |
| Employer contribution / active EE | $1,788 | $5,105-65.0% | $4,646-61.5% | $4,763-62.5% |
| Participant deferral / active EE | $2,263 | $7,183-68.5% | $6,843-66.9% | $5,983-62.2% |
| Admin fee / account holder | $8,595 | $10,811-20.5% | $9,312-7.7% | $11,252-23.6% |