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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 | $17,878 | $117,846-84.8% | $102,434-82.5% | $145,884-87.7% |
| Participation rate | 40.9% | 78.6%-37.7pp | 76.5%-35.6pp | 80.3%-39.4pp |
| Annual return | 15.16% | 31.90%-16.7pp | 29.46%-14.3pp | 551.85%-536.7pp |
| Employer contribution / active EE | $920 | $3,615-74.6% | $3,023-69.6% | $4,662-80.3% |
| Participant deferral / active EE | $1,079 | $5,733-81.2% | $5,055-78.7% | $6,690-83.9% |
| Admin fee / account holder | $371 | $13,356-97.2% | $9,462-96.1% | $13,392-97.2% |