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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 | $19,647 | $282,059-93.0% | $213,469-90.8% | $154,746-87.3% |
| Participation rate | 53.8% | 82.7%-28.8pp | 77.1%-23.3pp | 80.7%-26.9pp |
| Annual return | 15.90% | 20.90%-5.0pp | 20.58%-4.7pp | 172.34%-156.4pp |
| Employer contribution / active EE | $0 | $6,189-100.0% | $4,994-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,152 | $8,186-85.9% | $6,841-83.2% | $6,730-82.9% |
| Admin fee / account holder | $402 | $37,435-98.9% | $27,141-98.5% | $14,365-97.2% |