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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 | $14,529 | $72,607-80.0% | $90,259-83.9% | $87,485-83.4% |
| Participation rate | 44.1% | 64.8%-20.7pp | 70.7%-26.6pp | 68.9%-24.8pp |
| Annual return | 18.68% | 18.59%+0.1pp | 18.88%-0.2pp | 26.06%-7.4pp |
| Employer contribution / active EE | $0 | $1,919-100.0% | $2,291-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $522 | $3,055-82.9% | $3,827-86.4% | $4,274-87.8% |
| Admin fee / account holder | $340 | $5,947-94.3% | $7,267-95.3% | $7,775-95.6% |