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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 | $14,526 | $211,224-93.1% | $178,505-91.9% | $145,897-90.0% |
| Participation rate | 55.6% | 80.8%-25.3pp | 77.1%-21.6pp | 80.3%-24.8pp |
| Annual return | 13.72% | 30.28%-16.6pp | 27.16%-13.4pp | 552.29%-538.6pp |
| Employer contribution / active EE | $823 | $4,577-82.0% | $3,955-79.2% | $4,663-82.4% |
| Participant deferral / active EE | $1,048 | $6,966-85.0% | $6,280-83.3% | $6,689-84.3% |
| Admin fee / account holder | $369 | $12,109-97.0% | $10,428-96.5% | $13,390-97.2% |