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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 | $19,944 | $78,520-74.6% | $96,576-79.3% | $82,448-75.8% |
| Participation rate | 8.3% | 77.7%-69.4pp | 81.4%-73.1pp | 68.1%-59.7pp |
| Annual return | 16.11% | 41.30%-25.2pp | 38.47%-22.4pp | 41.64%-25.5pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $208 | $6,754-96.9% | $7,956-97.4% | $4,139-95.0% |
| Admin fee / account holder | $2,578 | $13,455-80.8% | $11,381-77.3% | $7,234-64.4% |