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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 | $5,095 | $123,793-95.9% | $177,827-97.1% | $79,858-93.6% |
| Participation rate | 52.7% | 84.7%-31.9pp | 87.7%-35.0pp | 69.6%-16.9pp |
| Annual return | 24.70% | 22.82%+1.9pp | 48.32%-23.6pp | 31.72%-7.0pp |
| Employer contribution / active EE | $0 | $4,095-100.0% | $5,918-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,656 | $5,956-72.2% | $7,713-78.5% | $3,740-55.7% |
| Admin fee / account holder | $493 | $7,243-93.2% | $12,429-96.0% | $5,306-90.7% |