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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 | $13,021 | $185,312-93.0% | $161,489-91.9% | $154,746-91.6% |
| Participation rate | 17.6% | 82.5%-64.8pp | 78.7%-61.0pp | 80.7%-63.1pp |
| Annual return | 12.46% | 103.84%-91.4pp | 89.72%-77.3pp | 172.34%-159.9pp |
| Employer contribution / active EE | $0 | $4,769-100.0% | $4,268-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $366 | $6,350-94.2% | $5,630-93.5% | $6,730-94.6% |
| Admin fee / account holder | $944 | $18,654-94.9% | $16,006-94.1% | $14,365-93.4% |