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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 | $10,926 | $64,359-83.0% | $90,161-87.9% | $70,126-84.4% |
| Participation rate | 60.0% | 70.4%-10.4pp | 76.9%-16.9pp | 69.5%-9.5pp |
| Annual return | 21.12% | 28.13%-7.0pp | 34.89%-13.8pp | 73.15%-52.0pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,727 | $4,389-60.6% | $5,287-67.3% | $3,332-48.2% |
| Admin fee / account holder | $694 | $3,945-82.4% | $5,943-88.3% | $4,645-85.1% |