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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 | $162,136-96.9% | $152,301-96.7% | $154,746-96.7% |
| Participation rate | 68.2% | 84.1%-15.9pp | 82.4%-14.3pp | 80.7%-12.5pp |
| Annual return | 22.30% | 91.02%-68.7pp | 80.50%-58.2pp | 172.34%-150.0pp |
| Employer contribution / active EE | $1,549 | $4,890-68.3% | $4,624-66.5% | $4,379-64.6% |
| Participant deferral / active EE | $1,617 | $8,341-80.6% | $8,004-79.8% | $6,730-76.0% |
| Admin fee / account holder | $2,440 | $15,759-84.5% | $14,398-83.1% | $14,365-83.0% |