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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 | $22,813 | $91,559-75.1% | $133,971-83.0% | $79,852-71.4% |
| Participation rate | 22.2% | 73.3%-51.1pp | 79.8%-57.6pp | 69.6%-47.4pp |
| Annual return | 16.05% | 61.85%-45.8pp | 45.09%-29.0pp | 31.72%-15.7pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $496 | $3,734-86.7% | $5,047-90.2% | $3,740-86.7% |
| Admin fee / account holder | $375 | $6,321-94.1% | $8,929-95.8% | $5,306-92.9% |