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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 | $15,377 | $91,760-83.2% | $156,181-90.2% | $67,986-77.4% |
| Participation rate | 11.1% | 65.0%-53.9pp | 78.8%-67.7pp | 57.2%-46.1pp |
| Annual return | 17.48% | 18.14%-0.7pp | 64.87%-47.4pp | 31.67%-14.2pp |
| Employer contribution / active EE | $0 | $2,419-100.0% | $4,294-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $617 | $3,960-84.4% | $6,132-89.9% | $3,358-81.6% |
| Admin fee / account holder | $1,026 | $3,949-74.0% | $14,586-93.0% | $3,203-68.0% |