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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 | $19,658 | $209,336-90.6% | $197,124-90.0% | $137,256-85.7% |
| Participation rate | 53.3% | 87.3%-34.0pp | 86.7%-33.4pp | 80.0%-26.6pp |
| Annual return | 18.68% | 48.09%-29.4pp | 44.34%-25.7pp | 220.34%-201.7pp |
| Employer contribution / active EE | $1,397 | $6,591-78.8% | $6,227-77.6% | $4,156-66.4% |
| Participant deferral / active EE | $1,927 | $9,614-80.0% | $9,135-78.9% | $6,407-69.9% |
| Admin fee / account holder | $1,690 | $17,308-90.2% | $16,298-89.6% | $12,270-86.2% |