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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 | $12,975 | $185,312-93.0% | $161,489-92.0% | $154,746-91.6% |
| Participation rate | 46.2% | 82.5%-36.3pp | 78.7%-32.5pp | 80.7%-34.5pp |
| Annual return | 24.90% | 103.84%-78.9pp | 89.72%-64.8pp | 172.34%-147.4pp |
| Employer contribution / active EE | $997 | $4,769-79.1% | $4,268-76.6% | $4,379-77.2% |
| Participant deferral / active EE | $1,721 | $6,350-72.9% | $5,630-69.4% | $6,730-74.4% |
| Admin fee / account holder | $638 | $18,654-96.6% | $16,006-96.0% | $14,365-95.6% |