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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 | $11,260 | $73,787-84.7% | $98,716-88.6% | $82,448-86.3% |
| Participation rate | 11.3% | 61.4%-50.2pp | 69.3%-58.0pp | 68.1%-56.8pp |
| Annual return | 16.35% | 18.57%-2.2pp | 31.81%-15.5pp | 41.64%-25.3pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $269 | $3,081-91.3% | $4,048-93.3% | $4,139-93.5% |
| Admin fee / account holder | $579 | $6,500-91.1% | $8,703-93.3% | $7,234-92.0% |