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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 | $41,975 | $167,415-74.9% | $140,514-70.1% | $198,609-78.9% |
| Participation rate | 68.8% | 80.9%-12.1pp | 77.8%-9.0pp | 82.4%-13.6pp |
| Annual return | 12.03% | 13.85%-1.8pp | 14.36%-2.3pp | 202.70%-190.7pp |
| Employer contribution / active EE | $0 | $4,088-100.0% | $3,378-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $1,753 | $5,579-68.6% | $4,919-64.4% | $6,977-74.9% |
| Admin fee / account holder | $1,759 | $16,730-89.5% | $13,697-87.2% | $19,030-90.8% |