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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 | $8,747 | $87,834-90.0% | $133,975-93.5% | $62,881-86.1% |
| Participation rate | 29.7% | 83.4%-53.7pp | 87.1%-57.4pp | 69.3%-39.6pp |
| Annual return | 13.73% | 12.05%+1.7pp | 29.29%-15.6pp | 20.14%-6.4pp |
| Employer contribution / active EE | $0 | $3,482-100.0% | $5,211-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,699 | $4,812-64.7% | $6,282-72.9% | $3,203-46.9% |
| Admin fee / account holder | $520 | $5,372-90.3% | $9,324-94.4% | $4,296-87.9% |