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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 | $21,665 | $102,429-78.8% | $147,096-85.3% | $80,925-73.2% |
| Participation rate | 62.2% | 75.9%-13.7pp | 82.2%-20.0pp | 67.7%-5.5pp |
| Annual return | 20.78% | 135.02%-114.2pp | 419.75%-399.0pp | 35.65%-14.9pp |
| Employer contribution / active EE | $6,985 | $3,716+88.0% | $4,936+41.5% | $2,756+153.4% |
| Participant deferral / active EE | $1,573 | $6,649-76.3% | $8,071-80.5% | $4,299-63.4% |
| Admin fee / account holder | $626 | $7,957-92.1% | $13,005-95.2% | $6,940-91.0% |