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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 | $8,461 | $60,349-86.0% | $74,184-88.6% | $62,881-86.5% |
| Participation rate | 41.8% | 72.7%-30.9pp | 76.6%-34.8pp | 69.3%-27.5pp |
| Annual return | 27.14% | 21.38%+5.8pp | 17.74%+9.4pp | 20.14%+7.0pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $969 | $2,856-66.1% | $3,550-72.7% | $3,203-69.7% |
| Admin fee / account holder | $410 | $4,261-90.4% | $5,586-92.7% | $4,296-90.5% |