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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 | $76,834-85.3% | $108,359-89.6% | $87,485-87.1% |
| Participation rate | 11.3% | 61.7%-50.5pp | 70.1%-58.9pp | 68.9%-57.7pp |
| Annual return | 16.35% | 19.09%-2.7pp | 36.89%-20.5pp | 26.06%-9.7pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $269 | $3,100-91.3% | $4,137-93.5% | $4,274-93.7% |
| Admin fee / account holder | $579 | $6,537-91.1% | $9,741-94.1% | $7,775-92.6% |