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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 | $20,400 | $71,526-71.5% | $98,450-79.3% | $71,495-71.5% |
| Participation rate | 5.3% | 72.7%-67.5pp | 75.2%-69.9pp | 67.9%-62.7pp |
| Annual return | 20.02% | 32.42%-12.4pp | 21.16%-1.1pp | 28.85%-8.8pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,049-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $140 | $4,110-96.6% | $4,739-97.0% | $4,291-96.7% |
| Admin fee / account holder | $695 | $1,675-58.5% | $8,961-92.2% | $1,588-56.2% |