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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 | $24,428 | $94,031-74.0% | $115,768-78.9% | $82,448-70.4% |
| Participation rate | 40.7% | 70.4%-29.7pp | 74.4%-33.7pp | 68.1%-27.3pp |
| Annual return | 19.09% | 20.61%-1.5pp | 100.46%-81.4pp | 41.64%-22.5pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,181 | $3,972-70.3% | $4,917-76.0% | $4,139-71.5% |
| Admin fee / account holder | $2,736 | $10,249-73.3% | $12,439-78.0% | $7,234-62.2% |