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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 | $15,599 | $160,040-90.3% | $147,096-89.4% | $145,877-89.3% |
| Participation rate | 61.5% | 84.0%-22.5pp | 82.2%-20.6pp | 80.3%-18.8pp |
| Annual return | 40.16% | 98.49%-58.3pp | 419.75%-379.6pp | 551.28%-511.1pp |
| Employer contribution / active EE | $1,197 | $5,289-77.4% | $4,936-75.7% | $4,663-74.3% |
| Participant deferral / active EE | $1,912 | $8,429-77.3% | $8,071-76.3% | $6,691-71.4% |
| Admin fee / account holder | $409 | $15,050-97.3% | $13,005-96.9% | $13,402-96.9% |