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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 | $25,742 | $201,372-87.2% | $184,260-86.0% | $145,884-82.4% |
| Participation rate | 61.9% | 87.5%-25.6pp | 86.8%-24.9pp | 80.3%-18.4pp |
| Annual return | 15.34% | 29.04%-13.7pp | 28.84%-13.5pp | 551.85%-536.5pp |
| Employer contribution / active EE | $1,517 | $7,024-78.4% | $6,427-76.4% | $4,662-67.5% |
| Participant deferral / active EE | $2,747 | $9,808-72.0% | $9,133-69.9% | $6,690-58.9% |
| Admin fee / account holder | $468 | $16,362-97.1% | $13,898-96.6% | $13,392-96.5% |