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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 | $5,205 | $75,541-93.1% | $152,093-96.6% | $82,637-93.7% |
| Participation rate | 54.0% | 66.5%-12.5pp | 77.8%-23.7pp | 68.1%-14.0pp |
| Annual return | 13.29% | 32.56%-19.3pp | 66.36%-53.1pp | 53.51%-40.2pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $673 | $3,206-79.0% | $5,451-87.6% | $4,126-83.7% |
| Admin fee / account holder | $574 | $6,405-91.0% | $14,497-96.0% | $7,339-92.2% |