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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 | $17,434 | $162,136-89.2% | $152,301-88.6% | $154,746-88.7% |
| Participation rate | 66.7% | 84.1%-17.4pp | 82.4%-15.8pp | 80.7%-14.0pp |
| Annual return | 19.63% | 91.02%-71.4pp | 80.50%-60.9pp | 172.34%-152.7pp |
| Employer contribution / active EE | $1,511 | $4,890-69.1% | $4,624-67.3% | $4,379-65.5% |
| Participant deferral / active EE | $2,006 | $8,341-76.0% | $8,004-74.9% | $6,730-70.2% |
| Admin fee / account holder | $1,355 | $15,759-91.4% | $14,398-90.6% | $14,365-90.6% |