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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 | $6,367 | $183,516-96.5% | $155,534-95.9% | $145,884-95.6% |
| Participation rate | 18.8% | 82.7%-64.0pp | 78.2%-59.5pp | 80.3%-61.6pp |
| Annual return | 12.70% | 61.43%-48.7pp | 64.92%-52.2pp | 551.85%-539.1pp |
| Employer contribution / active EE | $1,134 | $5,315-78.7% | $4,675-75.8% | $4,662-75.7% |
| Participant deferral / active EE | $1,280 | $6,467-80.2% | $5,630-77.3% | $6,690-80.9% |
| Admin fee / account holder | $2,808 | $19,293-85.4% | $15,900-82.3% | $13,392-79.0% |