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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 | $3,179 | $201,372-98.4% | $184,260-98.3% | $145,884-97.8% |
| Participation rate | 41.2% | 87.5%-46.3pp | 86.8%-45.6pp | 80.3%-39.1pp |
| Annual return | 13.88% | 29.04%-15.2pp | 28.84%-15.0pp | 551.85%-538.0pp |
| Employer contribution / active EE | $0 | $7,024-100.0% | $6,427-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $709 | $9,808-92.8% | $9,133-92.2% | $6,690-89.4% |
| Admin fee / account holder | $850 | $16,362-94.8% | $13,898-93.9% | $13,392-93.6% |