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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 | $11,556 | $135,956-91.5% | $123,894-90.7% | $273,972-95.8% |
| Participation rate | 57.1% | 84.1%-26.9pp | 81.4%-24.3pp | 83.0%-25.9pp |
| Annual return | 12.61% | 56.63%-44.0pp | 47.52%-34.9pp | 41.46%-28.8pp |
| Employer contribution / active EE | $1,387 | $5,170-73.2% | $4,617-70.0% | $4,869-71.5% |
| Participant deferral / active EE | $1,823 | $6,343-71.3% | $5,984-69.5% | $5,287-65.5% |
| Admin fee / account holder | $713 | $9,817-92.7% | $8,357-91.5% | $10,133-93.0% |