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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 | $6,864 | $73,988-90.7% | $96,538-92.9% | $75,177-90.9% |
| Participation rate | 36.6% | 66.4%-29.8pp | 74.3%-37.8pp | 67.2%-30.6pp |
| Annual return | 17.60% | 26.73%-9.1pp | 35.74%-18.1pp | 160.75%-143.2pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $639 | $3,660-82.5% | $4,880-86.9% | $4,126-84.5% |
| Admin fee / account holder | $617 | $5,220-88.2% | $6,737-90.8% | $5,651-89.1% |