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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 | $9,120 | $31,109-70.7% | $67,704-86.5% | $52,331-82.6% |
| Participation rate | 21.2% | 54.0%-32.7pp | 67.5%-46.3pp | 68.1%-46.9pp |
| Annual return | 11.77% | 23.70%-11.9pp | 25.41%-13.6pp | 4.54%+7.2pp |
| Employer contribution / active EE | $0 | $1,076-100.0% | $2,559-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $496 | $1,970-74.8% | $3,585-86.2% | $3,022-83.6% |
| Admin fee / account holder | $1,383 | $466+196.8% | $4,255-67.5% | $592+133.8% |