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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 | $18,173 | $76,371-76.2% | $93,621-80.6% | $72,976-75.1% |
| Participation rate | 6.0% | 71.8%-65.8pp | 75.8%-69.8pp | 69.5%-63.5pp |
| Annual return | 17.40% | 25.82%-8.4pp | 32.76%-15.4pp | 81.02%-63.6pp |
| Employer contribution / active EE | $0 | $2,276-100.0% | $2,719-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $218 | $3,538-93.8% | $4,070-94.6% | $3,608-94.0% |
| Admin fee / account holder | $384 | $6,839-94.4% | $7,890-95.1% | $5,124-92.5% |