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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 | $25,184 | $140,592-82.1% | $123,105-79.5% | $125,389-79.9% |
| Participation rate | 45.5% | 88.2%-42.7pp | 86.8%-41.3pp | 83.2%-37.7pp |
| Annual return | -1.19% | 16.80%-18.0pp | 13.22%-14.4pp | 282.24%-283.4pp |
| Employer contribution / active EE | $1,335 | $6,041-77.9% | $5,151-74.1% | $4,866-72.6% |
| Participant deferral / active EE | $1,701 | $6,980-75.6% | $6,229-72.7% | $5,352-68.2% |
| Admin fee / account holder | $3,582 | $11,198-68.0% | $9,014-60.3% | $9,541-62.5% |