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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 | $9,660 | $52,379-81.6% | $46,225-79.1% | $273,972-96.5% |
| Participation rate | 23.5% | 84.0%-60.4pp | 79.5%-56.0pp | 83.0%-59.5pp |
| Annual return | 2.96% | 7.23%-4.3pp | 7.57%-4.6pp | 41.46%-38.5pp |
| Employer contribution / active EE | $0 | $4,226-100.0% | $3,424-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $653 | $4,660-86.0% | $3,776-82.7% | $5,287-87.7% |
| Admin fee / account holder | $396 | $4,652-91.5% | $3,519-88.8% | $10,133-96.1% |