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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 | $18,096 | $199,109-90.9% | $173,730-89.6% | $154,746-88.3% |
| Participation rate | 43.8% | 82.8%-39.1pp | 79.6%-35.8pp | 80.7%-37.0pp |
| Annual return | 11.81% | 20.02%-8.2pp | 19.96%-8.1pp | 172.34%-160.5pp |
| Employer contribution / active EE | $0 | $5,311-100.0% | $4,577-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,718 | $7,113-75.8% | $6,326-72.8% | $6,730-74.5% |
| Admin fee / account holder | $495 | $20,916-97.6% | $17,523-97.2% | $14,365-96.6% |