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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 | $25,107 | $86,288-70.9% | $111,306-77.4% | $85,851-70.8% |
| Participation rate | 38.2% | 73.3%-35.1pp | 77.3%-39.1pp | 69.3%-31.1pp |
| Annual return | 15.13% | 19.99%-4.9pp | 54.67%-39.5pp | 318.63%-303.5pp |
| Employer contribution / active EE | $702 | $2,044-65.6% | $2,732-74.3% | $2,565-72.6% |
| Participant deferral / active EE | $1,112 | $3,641-69.4% | $4,488-75.2% | $3,952-71.9% |
| Admin fee / account holder | $1,015 | $8,189-87.6% | $7,966-87.3% | $6,261-83.8% |