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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 | $7,240 | $174,379-95.8% | $152,093-95.2% | $138,895-94.8% |
| Participation rate | 54.5% | 81.6%-27.1pp | 77.8%-23.2pp | 79.9%-25.4pp |
| Annual return | 16.68% | 74.86%-58.2pp | 66.36%-49.7pp | 145.39%-128.7pp |
| Employer contribution / active EE | $1,025 | $4,652-78.0% | $4,175-75.4% | $4,194-75.6% |
| Participant deferral / active EE | $1,319 | $6,159-78.6% | $5,451-75.8% | $6,396-79.4% |
| Admin fee / account holder | $1,163 | $16,880-93.1% | $14,497-92.0% | $12,562-90.7% |