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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 | $22,583 | $128,603-82.4% | $197,124-88.5% | $67,986-66.8% |
| Participation rate | 69.8% | 81.7%-11.8pp | 86.7%-16.9pp | 57.2%+12.6pp |
| Annual return | 15.73% | 23.77%-8.0pp | 44.34%-28.6pp | 31.67%-15.9pp |
| Employer contribution / active EE | $0 | $4,379-100.0% | $6,227-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $3,281 | $6,840-52.0% | $9,135-64.1% | $3,358-2.3% |
| Admin fee / account holder | $2,499 | $3,035-17.7% | $16,298-84.7% | $3,203-22.0% |