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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 | $18,624 | $212,386-91.2% | $199,883-90.7% | $138,895-86.6% |
| Participation rate | 60.0% | 87.4%-27.4pp | 86.8%-26.8pp | 79.9%-19.9pp |
| Annual return | 12.08% | 47.75%-35.7pp | 43.81%-31.7pp | 145.39%-133.3pp |
| Employer contribution / active EE | $1,484 | $6,625-77.6% | $6,261-76.3% | $4,194-64.6% |
| Participant deferral / active EE | $2,399 | $9,617-75.1% | $9,138-73.7% | $6,396-62.5% |
| Admin fee / account holder | $2,199 | $18,233-87.9% | $17,268-87.3% | $12,562-82.5% |