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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 | $34,539 | $81,777-57.8% | $148,496-76.7% | $69,733-50.5% |
| Participation rate | 28.6% | 70.9%-42.3pp | 76.0%-47.5pp | 62.5%-33.9pp |
| Annual return | 12.13% | 14.38%-2.2pp | 12.33%-0.2pp | 15.22%-3.1pp |
| Employer contribution / active EE | $0 | $2,488-100.0% | $3,497-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $874 | $3,367-74.0% | $4,808-81.8% | $3,054-71.4% |
| Admin fee / account holder | $2,605 | $2,991-12.9% | $19,547-86.7% | $3,102-16.0% |