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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 | $12,508 | $73,009-82.9% | $90,756-86.2% | $68,495-81.7% |
| Participation rate | 34.8% | 70.8%-36.0pp | 75.7%-40.9pp | 67.9%-33.1pp |
| Annual return | 30.25% | -13.81%+44.1pp | -12.16%+42.4pp | -7.84%+38.1pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $2,922-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,273 | $3,626-64.9% | $4,565-72.1% | $4,028-68.4% |
| Admin fee / account holder | $838 | $5,896-85.8% | $8,445-90.1% | $5,403-84.5% |