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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 | $5,056 | $154,228-96.7% | $145,433-96.5% | $137,256-96.3% |
| Participation rate | 68.2% | 83.8%-15.6pp | 82.1%-13.9pp | 80.0%-11.8pp |
| Annual return | 22.30% | 74.59%-52.3pp | 66.58%-44.3pp | 220.34%-198.0pp |
| Employer contribution / active EE | $1,549 | $4,804-67.8% | $4,554-66.0% | $4,156-62.7% |
| Participant deferral / active EE | $1,617 | $8,216-80.3% | $7,897-79.5% | $6,407-74.8% |
| Admin fee / account holder | $2,440 | $14,344-83.0% | $13,129-81.4% | $12,270-80.1% |