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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 | $11,575 | $65,027-82.2% | $90,970-87.3% | $79,852-85.5% |
| Participation rate | 15.2% | 61.6%-46.4pp | 69.0%-53.8pp | 69.6%-54.4pp |
| Annual return | 14.49% | 30.45%-16.0pp | 134.58%-120.1pp | 31.72%-17.2pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $288 | $2,512-88.5% | $3,373-91.5% | $3,740-92.3% |
| Admin fee / account holder | $418 | $4,535-90.8% | $5,960-93.0% | $5,306-92.1% |