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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 | $12,200 | $48,078-74.6% | $78,676-84.5% | $62,881-80.6% |
| Participation rate | 15.0% | 65.2%-50.2pp | 73.6%-58.6pp | 69.3%-54.3pp |
| Annual return | 8.04% | 31.36%-23.3pp | 62.19%-54.2pp | 20.14%-12.1pp |
| Employer contribution / active EE | $0 | $2,015-100.0% | $2,850-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $352 | $2,587-86.4% | $3,517-90.0% | $3,203-89.0% |
| Admin fee / account holder | $990 | $3,206-69.1% | $4,510-78.0% | $4,296-77.0% |