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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 | $22,300 | $80,992-72.5% | $96,534-76.9% | $75,173-70.3% |
| Participation rate | 12.2% | 71.8%-59.6pp | 76.0%-63.8pp | 67.2%-55.0pp |
| Annual return | 18.35% | 27.05%-8.7pp | 25.88%-7.5pp | 160.72%-142.4pp |
| Employer contribution / active EE | $0 | $2,283-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $786 | $3,929-80.0% | $4,851-83.8% | $4,126-81.0% |
| Admin fee / account holder | $1,087 | $6,717-83.8% | $8,253-86.8% | $5,651-80.8% |