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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 | $27,485 | $101,795-73.0% | $165,100-83.4% | $80,959-66.1% |
| Participation rate | 47.1% | 71.8%-24.8pp | 78.6%-31.6pp | 67.7%-20.6pp |
| Annual return | 14.76% | 16.73%-2.0pp | 70.21%-55.4pp | 35.67%-20.9pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,355 | $4,476-69.7% | $6,035-77.6% | $4,300-68.5% |
| Admin fee / account holder | $5,489 | $8,221-33.2% | $12,696-56.8% | $6,925-20.7% |