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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 | $21,129 | $135,956-84.5% | $123,894-82.9% | $273,972-92.3% |
| Participation rate | 57.9% | 84.1%-26.2pp | 81.4%-23.5pp | 83.0%-25.1pp |
| Annual return | 13.23% | 56.63%-43.4pp | 47.52%-34.3pp | 41.46%-28.2pp |
| Employer contribution / active EE | $1,543 | $5,170-70.2% | $4,617-66.6% | $4,869-68.3% |
| Participant deferral / active EE | $1,977 | $6,343-68.8% | $5,984-67.0% | $5,287-62.6% |
| Admin fee / account holder | $985 | $9,817-90.0% | $8,357-88.2% | $10,133-90.3% |