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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 | $11,044 | $154,228-92.8% | $145,433-92.4% | $137,256-92.0% |
| Participation rate | 58.8% | 83.8%-25.0pp | 82.1%-23.3pp | 80.0%-21.1pp |
| Annual return | 21.61% | 74.59%-53.0pp | 66.58%-45.0pp | 220.34%-198.7pp |
| Employer contribution / active EE | $1,022 | $4,804-78.7% | $4,554-77.6% | $4,156-75.4% |
| Participant deferral / active EE | $1,977 | $8,216-75.9% | $7,897-75.0% | $6,407-69.1% |
| Admin fee / account holder | $2,199 | $14,344-84.7% | $13,129-83.3% | $12,270-82.1% |