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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 | $16,803 | $72,027-76.7% | $185,835-91.0% | $79,852-79.0% |
| Participation rate | 36.7% | 65.8%-29.1pp | 78.0%-41.4pp | 69.6%-33.0pp |
| Annual return | 20.20% | 23.13%-2.9pp | 35.96%-15.8pp | 31.72%-11.5pp |
| Employer contribution / active EE | $0 | $1,965-100.0% | $4,087-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,253 | $3,780-66.9% | $5,633-77.8% | $3,740-66.5% |
| Admin fee / account holder | $2,847 | $4,513-36.9% | $9,502-70.0% | $5,306-46.3% |