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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 | $17,873 | $176,105-89.9% | $159,474-88.8% | $167,536-89.3% |
| Participation rate | 42.9% | 85.0%-42.1pp | 82.8%-40.0pp | 82.1%-39.3pp |
| Annual return | 17.51% | 331.91%-314.4pp | 263.68%-246.2pp | 478.82%-461.3pp |
| Employer contribution / active EE | $1,396 | $5,299-73.7% | $4,831-71.1% | $4,839-71.2% |
| Participant deferral / active EE | $2,056 | $7,751-73.5% | $7,353-72.0% | $6,342-67.6% |
| Admin fee / account holder | $652 | $12,559-94.8% | $10,802-94.0% | $12,315-94.7% |