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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 | $28,156 | $239,571-88.2% | $183,328-84.6% | $137,256-79.5% |
| Participation rate | 68.4% | 82.4%-14.0pp | 77.3%-8.9pp | 80.0%-11.5pp |
| Annual return | 11.98% | 35.69%-23.7pp | 29.67%-17.7pp | 220.34%-208.4pp |
| Employer contribution / active EE | $1,485 | $6,148-75.8% | $5,055-70.6% | $4,156-64.3% |
| Participant deferral / active EE | $1,572 | $7,995-80.3% | $6,795-76.9% | $6,407-75.5% |
| Admin fee / account holder | $1,200 | $30,059-96.0% | $21,427-94.4% | $12,270-90.2% |