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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 | $16,475 | $62,672-73.7% | $185,117-91.1% | $70,126-76.5% |
| Participation rate | 15.9% | 63.8%-47.9pp | 77.3%-61.4pp | 69.5%-53.6pp |
| Annual return | 18.12% | 40.79%-22.7pp | 40.50%-22.4pp | 73.15%-55.0pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $414 | $3,272-87.3% | $5,045-91.8% | $3,332-87.6% |
| Admin fee / account holder | $339 | $3,932-91.4% | $8,159-95.8% | $4,645-92.7% |