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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 | $11,809 | $72,114-83.6% | $108,745-89.1% | $62,881-81.2% |
| Participation rate | 16.4% | 74.6%-58.2pp | 77.7%-61.3pp | 69.3%-52.9pp |
| Annual return | 7.36% | 13.41%-6.1pp | 46.22%-38.9pp | 20.14%-12.8pp |
| Employer contribution / active EE | $0 | $2,694-100.0% | $3,323-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $275 | $4,044-93.2% | $5,121-94.6% | $3,203-91.4% |
| Admin fee / account holder | $561 | $4,608-87.8% | $6,144-90.9% | $4,296-86.9% |