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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 | $20,710 | $81,334-74.5% | $113,397-81.7% | $64,097-67.7% |
| Participation rate | 13.0% | 65.6%-52.7pp | 76.5%-63.5pp | 55.2%-42.2pp |
| Annual return | 16.96% | 32.50%-15.5pp | 23.20%-6.2pp | 34.64%-17.7pp |
| Employer contribution / active EE | $0 | $2,077-100.0% | $2,977-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $601 | $3,795-84.2% | $5,076-88.2% | $3,080-80.5% |
| Admin fee / account holder | $3,488 | $4,208-17.1% | $11,957-70.8% | $3,454+1.0% |