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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 | $12,484 | $76,112-83.6% | $96,534-87.1% | $71,511-82.5% |
| Participation rate | 44.1% | 74.4%-30.3pp | 76.0%-31.9pp | 67.9%-23.8pp |
| Annual return | 16.96% | 22.81%-5.9pp | 25.88%-8.9pp | 28.86%-11.9pp |
| Employer contribution / active EE | $0 | $2,248-100.0% | $2,965-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,161 | $4,217-72.5% | $4,851-76.1% | $4,291-72.9% |
| Admin fee / account holder | $556 | $2,708-79.5% | $8,253-93.3% | $1,588-65.0% |