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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 | $9,151 | $155,555-94.1% | $146,866-93.8% | $155,188-94.1% |
| Participation rate | 30.4% | 84.0%-53.5pp | 82.5%-52.1pp | 80.8%-50.4pp |
| Annual return | 12.78% | 115.41%-102.6pp | 102.85%-90.1pp | 148.84%-136.1pp |
| Employer contribution / active EE | $0 | $4,647-100.0% | $4,425-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $594 | $8,044-92.6% | $7,759-92.4% | $6,531-90.9% |
| Admin fee / account holder | $654 | $14,755-95.6% | $13,620-95.2% | $14,480-95.5% |