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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 | $14,430 | $178,174-91.9% | $156,181-90.8% | $137,256-89.5% |
| Participation rate | 27.3% | 82.0%-54.8pp | 78.8%-51.6pp | 80.0%-52.7pp |
| Annual return | 17.86% | 84.19%-66.3pp | 64.87%-47.0pp | 220.34%-202.5pp |
| Employer contribution / active EE | $0 | $4,972-100.0% | $4,294-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $1,873 | $6,888-72.8% | $6,132-69.5% | $6,407-70.8% |
| Admin fee / account holder | $2,043 | $17,404-88.3% | $14,586-86.0% | $12,270-83.3% |