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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 | $13,740 | $65,437-79.0% | $86,698-84.2% | $66,949-79.5% |
| Participation rate | 33.0% | 75.5%-42.4pp | 76.6%-43.6pp | 69.8%-36.8pp |
| Annual return | 23.04% | -10.91%+33.9pp | 35.96%-12.9pp | 1.57%+21.5pp |
| Employer contribution / active EE | $0 | $2,154-100.0% | $2,837-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $977 | $4,102-76.2% | $4,656-79.0% | $4,239-77.0% |
| Admin fee / account holder | $985 | $642+53.4% | $7,492-86.9% | $594+65.9% |