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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 | $11,335 | $174,379-93.5% | $152,093-92.5% | $138,895-91.8% |
| Participation rate | 31.8% | 81.6%-49.8pp | 77.8%-45.9pp | 79.9%-48.1pp |
| Annual return | 29.97% | 74.86%-44.9pp | 66.36%-36.4pp | 145.39%-115.4pp |
| Employer contribution / active EE | $998 | $4,652-78.6% | $4,175-76.1% | $4,194-76.2% |
| Participant deferral / active EE | $1,112 | $6,159-81.9% | $5,451-79.6% | $6,396-82.6% |
| Admin fee / account holder | $2,179 | $16,880-87.1% | $14,497-85.0% | $12,562-82.7% |