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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 | $4,632 | $213,785-97.8% | $185,441-97.5% | $155,188-97.0% |
| Participation rate | 53.3% | 83.2%-29.9pp | 80.3%-26.9pp | 80.8%-27.5pp |
| Annual return | 19.54% | 19.97%-0.4pp | 20.16%-0.6pp | 148.84%-129.3pp |
| Employer contribution / active EE | $0 | $5,393-100.0% | $4,672-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $457 | $6,864-93.3% | $6,152-92.6% | $6,531-93.0% |
| Admin fee / account holder | $431 | $21,134-98.0% | $17,890-97.6% | $14,480-97.0% |