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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 | $11,961 | $54,541-78.1% | $78,778-84.8% | $70,124-82.9% |
| Participation rate | 22.0% | 60.8%-38.8pp | 69.2%-47.2pp | 69.5%-47.6pp |
| Annual return | 16.90% | 21.07%-4.2pp | 35.62%-18.7pp | 73.14%-56.2pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $938 | $2,210-57.5% | $2,958-68.3% | $3,332-71.8% |
| Admin fee / account holder | $463 | $3,709-87.5% | $5,134-91.0% | $4,645-90.0% |