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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 | $4,061 | $228,352-98.2% | $185,827-97.8% | $158,950-97.4% |
| Participation rate | 55.6% | 82.3%-26.8pp | 78.0%-22.5pp | 82.0%-26.4pp |
| Annual return | 34.87% | 40.81%-5.9pp | 35.96%-1.1pp | 302.91%-268.0pp |
| Employer contribution / active EE | $564 | $4,967-88.6% | $4,087-86.2% | $4,762-88.2% |
| Participant deferral / active EE | $1,172 | $6,416-81.7% | $5,633-79.2% | $5,983-80.4% |
| Admin fee / account holder | $2,979 | $11,867-74.9% | $9,502-68.6% | $11,248-73.5% |