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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 | $19,647 | $239,571-91.8% | $183,328-89.3% | $137,256-85.7% |
| Participation rate | 53.8% | 82.4%-28.6pp | 77.3%-23.5pp | 80.0%-26.1pp |
| Annual return | 15.90% | 35.69%-19.8pp | 29.67%-13.8pp | 220.34%-204.4pp |
| Employer contribution / active EE | $0 | $6,148-100.0% | $5,055-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $1,152 | $7,995-85.6% | $6,795-83.1% | $6,407-82.0% |
| Admin fee / account holder | $402 | $30,059-98.7% | $21,427-98.1% | $12,270-96.7% |