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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 | $15,895 | $180,028-91.2% | $138,135-88.5% | $158,982-90.0% |
| Participation rate | 42.9% | 82.2%-39.4pp | 78.7%-35.8pp | 82.0%-39.1pp |
| Annual return | 23.04% | 21.68%+1.4pp | 20.51%+2.5pp | 302.99%-279.9pp |
| Employer contribution / active EE | $0 | $7,470-100.0% | $5,587-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $2,193 | $7,717-71.6% | $6,431-65.9% | $5,983-63.3% |
| Admin fee / account holder | $821 | $17,912-95.4% | $11,856-93.1% | $11,252-92.7% |