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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 | $25,360 | $145,431-82.6% | $211,142-88.0% | $87,485-71.0% |
| Participation rate | 21.3% | 84.7%-63.5pp | 87.3%-66.0pp | 68.9%-47.7pp |
| Annual return | 21.52% | 27.21%-5.7pp | 46.84%-25.3pp | 26.06%-4.5pp |
| Employer contribution / active EE | $0 | $4,662-100.0% | $6,442-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,063 | $6,859-69.9% | $9,284-77.8% | $4,274-51.7% |
| Admin fee / account holder | $4,048 | $17,052-76.3% | $19,076-78.8% | $7,775-47.9% |