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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 | $17,390 | $74,089-76.5% | $133,981-87.0% | $55,167-68.5% |
| Participation rate | 35.8% | 84.3%-48.4pp | 87.1%-51.2pp | 69.0%-33.2pp |
| Annual return | 7.64% | 12.11%-4.5pp | 29.30%-21.7pp | 169.23%-161.6pp |
| Employer contribution / active EE | $0 | $3,064-100.0% | $5,211-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,365 | $4,678-49.5% | $6,282-62.4% | $3,054-22.6% |
| Admin fee / account holder | $1,824 | $458+298.2% | $9,324-80.4% | $504+262.0% |