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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 | $27,344 | $192,829-85.8% | $142,516-80.8% | $139,466-80.4% |
| Participation rate | 25.0% | 81.4%-56.4pp | 76.8%-51.8pp | 80.3%-55.3pp |
| Annual return | 17.23% | 17.99%-0.8pp | 19.99%-2.8pp | 373.66%-356.4pp |
| Employer contribution / active EE | $0 | $5,808-100.0% | $4,849-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $1,022 | $7,200-85.8% | $6,280-83.7% | $6,712-84.8% |
| Admin fee / account holder | $1,461 | $15,120-90.3% | $10,008-85.4% | $11,409-87.2% |