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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 | $11,393 | $65,246-82.5% | $98,716-88.5% | $67,986-83.2% |
| Participation rate | 6.3% | 51.4%-45.1pp | 69.3%-63.0pp | 57.2%-50.9pp |
| Annual return | 16.17% | 20.58%-4.4pp | 31.81%-15.6pp | 31.67%-15.5pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $2,279-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $218 | $2,594-91.6% | $4,048-94.6% | $3,358-93.5% |
| Admin fee / account holder | $742 | $4,561-83.7% | $8,703-91.5% | $3,203-76.8% |