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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 | $10,648 | $132,634-92.0% | $115,768-90.8% | $137,256-92.2% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.4%-24.4pp | 80.0%-30.0pp |
| Annual return | 18.97% | 160.70%-141.7pp | 100.46%-81.5pp | 220.34%-201.4pp |
| Employer contribution / active EE | $811 | $3,360-75.9% | $2,940-72.4% | $4,156-80.5% |
| Participant deferral / active EE | $811 | $5,619-85.6% | $4,917-83.5% | $6,407-87.3% |
| Admin fee / account holder | $2,443 | $15,028-83.7% | $12,439-80.4% | $12,270-80.1% |