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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 | $18,248 | $146,267-87.5% | $197,124-90.7% | $82,448-77.9% |
| Participation rate | 18.1% | 84.0%-66.0pp | 86.7%-68.7pp | 68.1%-50.0pp |
| Annual return | 17.11% | 29.61%-12.5pp | 44.34%-27.2pp | 41.64%-24.5pp |
| Employer contribution / active EE | $0 | $4,723-100.0% | $6,227-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $314 | $7,035-95.5% | $9,135-96.6% | $4,139-92.4% |
| Admin fee / account holder | $508 | $14,422-96.5% | $16,298-96.9% | $7,234-93.0% |