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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 | $4,261 | $135,956-96.9% | $123,894-96.6% | $273,972-98.4% |
| Participation rate | 60.0% | 84.1%-24.1pp | 81.4%-21.4pp | 83.0%-23.0pp |
| Annual return | 15.17% | 56.63%-41.5pp | 47.52%-32.3pp | 41.46%-26.3pp |
| Employer contribution / active EE | $1,266 | $5,170-75.5% | $4,617-72.6% | $4,869-74.0% |
| Participant deferral / active EE | $1,424 | $6,343-77.6% | $5,984-76.2% | $5,287-73.1% |
| Admin fee / account holder | $1,472 | $9,817-85.0% | $8,357-82.4% | $10,133-85.5% |