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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 | $20,991 | $228,395-90.8% | $185,861-88.7% | $158,982-86.8% |
| Participation rate | 42.9% | 82.3%-39.5pp | 78.0%-35.2pp | 82.0%-39.1pp |
| Annual return | 16.80% | 40.82%-24.0pp | 35.96%-19.2pp | 302.99%-286.2pp |
| Employer contribution / active EE | $554 | $4,968-88.8% | $4,088-86.4% | $4,763-88.4% |
| Participant deferral / active EE | $1,210 | $6,417-81.1% | $5,634-78.5% | $5,983-79.8% |
| Admin fee / account holder | $751 | $11,869-93.7% | $9,503-92.1% | $11,252-93.3% |