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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 | $3,700 | $102,609-96.4% | $98,090-96.2% | $138,895-97.3% |
| Participation rate | 63.2% | 82.8%-19.6pp | 81.5%-18.4pp | 79.9%-16.8pp |
| Annual return | 20.91% | 36.44%-15.5pp | 37.05%-16.1pp | 145.39%-124.5pp |
| Employer contribution / active EE | $758 | $3,867-80.4% | $3,606-79.0% | $4,194-81.9% |
| Participant deferral / active EE | $1,022 | $8,167-87.5% | $7,845-87.0% | $6,396-84.0% |
| Admin fee / account holder | $1,645 | $11,434-85.6% | $11,815-86.1% | $12,562-86.9% |