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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 | $9,531 | $135,956-93.0% | $123,894-92.3% | $273,972-96.5% |
| Participation rate | 38.1% | 84.1%-46.0pp | 81.4%-43.3pp | 83.0%-44.9pp |
| Annual return | 58.90% | 56.63%+2.3pp | 47.52%+11.4pp | 41.46%+17.4pp |
| Employer contribution / active EE | $1,588 | $5,170-69.3% | $4,617-65.6% | $4,869-67.4% |
| Participant deferral / active EE | $1,845 | $6,343-70.9% | $5,984-69.2% | $5,287-65.1% |
| Admin fee / account holder | $1,566 | $9,817-84.0% | $8,357-81.3% | $10,133-84.5% |