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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 | $5,711 | $52,682-89.2% | $78,004-92.7% | $64,097-91.1% |
| Participation rate | 29.0% | 47.7%-18.7pp | 69.4%-40.4pp | 55.2%-26.2pp |
| Annual return | 16.51% | 22.45%-5.9pp | 31.07%-14.6pp | 34.64%-18.1pp |
| Employer contribution / active EE | $0 | $1,323-100.0% | $2,469-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $664 | $2,346-71.7% | $4,092-83.8% | $3,080-78.4% |
| Admin fee / account holder | $488 | $5,420-91.0% | $7,578-93.6% | $3,454-85.9% |