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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 | $23,373 | $86,949-73.1% | $102,460-77.2% | $80,959-71.1% |
| Participation rate | 10.9% | 72.4%-61.5pp | 76.5%-65.6pp | 67.7%-56.8pp |
| Annual return | 14.39% | 18.89%-4.5pp | 29.47%-15.1pp | 35.67%-21.3pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $199 | $4,121-95.2% | $5,056-96.1% | $4,300-95.4% |
| Admin fee / account holder | $1,680 | $8,048-79.1% | $9,460-82.2% | $6,925-75.7% |