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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 | $7,683 | $185,312-95.9% | $161,489-95.2% | $154,746-95.0% |
| Participation rate | 69.6% | 82.5%-12.9pp | 78.7%-9.1pp | 80.7%-11.1pp |
| Annual return | 14.72% | 103.84%-89.1pp | 89.72%-75.0pp | 172.34%-157.6pp |
| Employer contribution / active EE | $1,057 | $4,769-77.8% | $4,268-75.2% | $4,379-75.9% |
| Participant deferral / active EE | $1,362 | $6,350-78.5% | $5,630-75.8% | $6,730-79.8% |
| Admin fee / account holder | $405 | $18,654-97.8% | $16,006-97.5% | $14,365-97.2% |