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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 | $22,803 | $61,660-63.0% | $80,022-71.5% | $64,173-64.5% |
| Participation rate | 63.3% | 71.7%-8.4pp | 75.8%-12.5pp | 69.6%-6.2pp |
| Annual return | 7.81% | -0.33%+8.1pp | 11.22%-3.4pp | 7.63%+0.2pp |
| Employer contribution / active EE | $0 | $1,810-100.0% | $2,468-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $857 | $2,968-71.1% | $3,686-76.7% | $3,470-75.3% |
| Admin fee / account holder | $3,051 | $5,417-43.7% | $6,521-53.2% | $4,887-37.6% |