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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 | $12,311 | $58,048-78.8% | $94,215-86.9% | $65,306-81.1% |
| Participation rate | 19.2% | 45.3%-26.1pp | 70.0%-50.7pp | 57.7%-38.5pp |
| Annual return | 21.64% | 19.61%+2.0pp | 28.22%-6.6pp | 21.94%-0.3pp |
| Employer contribution / active EE | $0 | $1,427-100.0% | $2,675-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $900 | $2,407-62.6% | $4,276-79.0% | $2,959-69.6% |
| Admin fee / account holder | $1,174 | $4,610-74.5% | $10,216-88.5% | $3,480-66.3% |