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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 | $23,737 | $217,427-89.1% | $185,837-87.2% | $167,518-85.8% |
| Participation rate | 38.5% | 86.0%-47.6pp | 81.7%-43.2pp | 82.1%-43.6pp |
| Annual return | 16.40% | 148.39%-132.0pp | 122.08%-105.7pp | 478.71%-462.3pp |
| Employer contribution / active EE | $0 | $5,874-100.0% | $5,168-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $2,187 | $6,357-65.6% | $5,568-60.7% | $6,342-65.5% |
| Admin fee / account holder | $3,015 | $19,816-84.8% | $16,241-81.4% | $12,312-75.5% |