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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 | $34,469 | $97,550-64.7% | $120,344-71.4% | $87,485-60.6% |
| Participation rate | 41.5% | 72.8%-31.4pp | 76.7%-35.2pp | 68.9%-27.5pp |
| Annual return | 15.28% | 18.41%-3.1pp | 20.30%-5.0pp | 26.06%-10.8pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,520 | $4,230-64.1% | $5,135-70.4% | $4,274-64.4% |
| Admin fee / account holder | $892 | $9,543-90.7% | $12,742-93.0% | $7,775-88.5% |