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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 | $14,470 | $58,493-75.3% | $84,021-82.8% | $72,975-80.2% |
| Participation rate | 24.1% | 61.2%-37.1pp | 69.0%-44.9pp | 69.5%-45.4pp |
| Annual return | 23.21% | 28.93%-5.7pp | 71.32%-48.1pp | 81.01%-57.8pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $575 | $2,394-76.0% | $3,239-82.2% | $3,608-84.1% |
| Admin fee / account holder | $670 | $4,569-85.3% | $6,102-89.0% | $5,124-86.9% |