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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 | $8,566 | $183,592-95.3% | $155,574-94.5% | $145,877-94.1% |
| Participation rate | 63.2% | 82.7%-19.5pp | 78.2%-15.1pp | 80.3%-17.1pp |
| Annual return | 11.05% | 61.37%-50.3pp | 64.87%-53.8pp | 551.28%-540.2pp |
| Employer contribution / active EE | $1,224 | $5,317-77.0% | $4,676-73.8% | $4,663-73.8% |
| Participant deferral / active EE | $1,803 | $6,466-72.1% | $5,629-68.0% | $6,691-73.1% |
| Admin fee / account holder | $484 | $19,316-97.5% | $15,914-97.0% | $13,402-96.4% |