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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 | $18,329 | $94,031-80.5% | $115,768-84.2% | $82,448-77.8% |
| Participation rate | 52.0% | 70.4%-18.4pp | 74.4%-22.4pp | 68.1%-16.1pp |
| Annual return | 13.10% | 20.61%-7.5pp | 100.46%-87.4pp | 41.64%-28.5pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $555 | $3,972-86.0% | $4,917-88.7% | $4,139-86.6% |
| Admin fee / account holder | $761 | $10,249-92.6% | $12,439-93.9% | $7,234-89.5% |