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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 | $18,477 | $165,361-88.8% | $149,715-87.7% | $158,950-88.4% |
| Participation rate | 42.9% | 84.6%-41.7pp | 82.5%-39.6pp | 82.0%-39.1pp |
| Annual return | 18.92% | 348.24%-329.3pp | 276.66%-257.7pp | 302.91%-284.0pp |
| Employer contribution / active EE | $1,551 | $5,103-69.6% | $4,645-66.6% | $4,762-67.4% |
| Participant deferral / active EE | $1,800 | $7,182-74.9% | $6,842-73.7% | $5,983-69.9% |
| Admin fee / account holder | $7,103 | $10,808-34.3% | $9,310-23.7% | $11,248-36.9% |