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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 | $18,211 | $85,515-78.7% | $112,040-83.7% | $67,986-73.2% |
| Participation rate | 46.7% | 68.2%-21.5pp | 76.5%-29.8pp | 57.2%-10.5pp |
| Annual return | 18.00% | 29.68%-11.7pp | 24.52%-6.5pp | 31.67%-13.7pp |
| Employer contribution / active EE | $0 | $2,191-100.0% | $2,954-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,427 | $4,014-64.5% | $5,098-72.0% | $3,358-57.5% |
| Admin fee / account holder | $763 | $3,774-79.8% | $12,098-93.7% | $3,203-76.2% |