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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 | $25,141 | $67,602-62.8% | $82,312-69.5% | $70,126-64.1% |
| Participation rate | 51.7% | 72.8%-21.0pp | 76.9%-25.2pp | 69.5%-17.8pp |
| Annual return | 15.28% | 21.57%-6.3pp | 25.88%-10.6pp | 73.15%-57.9pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,067 | $2,987-64.3% | $3,706-71.2% | $3,332-68.0% |
| Admin fee / account holder | $2,206 | $4,512-51.1% | $5,608-60.7% | $4,645-52.5% |