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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 | $36,502 | $114,712-68.2% | $173,730-79.0% | $87,485-58.3% |
| Participation rate | 19.4% | 73.0%-53.6pp | 79.6%-60.2pp | 68.9%-49.6pp |
| Annual return | 28.36% | 20.18%+8.2pp | 19.96%+8.4pp | 26.06%+2.3pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $818 | $4,642-82.4% | $6,326-87.1% | $4,274-80.9% |
| Admin fee / account holder | $791 | $10,210-92.3% | $17,523-95.5% | $7,775-89.8% |