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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 | $15,836 | $64,359-75.4% | $90,161-82.4% | $70,126-77.4% |
| Participation rate | 20.7% | 70.4%-49.7pp | 76.9%-56.2pp | 69.5%-48.9pp |
| Annual return | 16.32% | 28.13%-11.8pp | 34.89%-18.6pp | 73.15%-56.8pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,517 | $4,389-65.4% | $5,287-71.3% | $3,332-54.5% |
| Admin fee / account holder | $3,434 | $3,945-13.0% | $5,943-42.2% | $4,645-26.1% |