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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 | $16,409 | $77,472-78.8% | $100,415-83.7% | $80,959-79.7% |
| Participation rate | 6.9% | 76.9%-70.0pp | 81.5%-74.6pp | 67.7%-60.7pp |
| Annual return | 13.47% | 37.26%-23.8pp | 49.47%-36.0pp | 35.67%-22.2pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $182 | $6,818-97.3% | $8,091-97.7% | $4,300-95.8% |
| Admin fee / account holder | $1,650 | $5,885-72.0% | $7,906-79.1% | $6,925-76.2% |