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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 | $10,335 | $108,825-90.5% | $156,181-93.4% | $82,448-87.5% |
| Participation rate | 36.0% | 72.4%-36.4pp | 78.8%-42.8pp | 68.1%-32.1pp |
| Annual return | 17.34% | 20.59%-3.2pp | 64.87%-47.5pp | 41.64%-24.3pp |
| Employer contribution / active EE | $0 | $2,870-100.0% | $4,294-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,189 | $4,577-74.0% | $6,132-80.6% | $4,139-71.3% |
| Admin fee / account holder | $693 | $9,341-92.6% | $14,586-95.2% | $7,234-90.4% |