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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 | $18,403 | $125,797-85.4% | $170,043-89.2% | $75,173-75.5% |
| Participation rate | 66.7% | 83.6%-16.9pp | 87.0%-20.3pp | 67.2%-0.5pp |
| Annual return | 22.07% | 27.20%-5.1pp | 53.40%-31.3pp | 160.72%-138.7pp |
| Employer contribution / active EE | $1,901 | $4,616-58.8% | $6,790-72.0% | $2,671-28.8% |
| Participant deferral / active EE | $1,939 | $6,838-71.6% | $10,410-81.4% | $4,126-53.0% |
| Admin fee / account holder | $1,481 | $8,177-81.9% | $12,824-88.5% | $5,651-73.8% |