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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 | $19,052 | $165,361-88.5% | $149,715-87.3% | $158,950-88.0% |
| Participation rate | 55.6% | 84.6%-29.0pp | 82.5%-26.9pp | 82.0%-26.4pp |
| Annual return | 21.07% | 348.24%-327.2pp | 276.66%-255.6pp | 302.91%-281.8pp |
| Employer contribution / active EE | $1,036 | $5,103-79.7% | $4,645-77.7% | $4,762-78.2% |
| Participant deferral / active EE | $1,494 | $7,182-79.2% | $6,842-78.2% | $5,983-75.0% |
| Admin fee / account holder | $1,299 | $10,808-88.0% | $9,310-86.0% | $11,248-88.4% |