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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 | $27,332 | $115,931-76.4% | $185,441-85.3% | $86,983-68.6% |
| Participation rate | 35.3% | 73.6%-38.3pp | 80.3%-45.0pp | 69.5%-34.2pp |
| Annual return | 12.10% | 21.47%-9.4pp | 20.16%-8.1pp | 25.83%-13.7pp |
| Employer contribution / active EE | $0 | $2,937-100.0% | $4,672-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,254 | $4,551-72.5% | $6,152-79.6% | $4,194-70.1% |
| Admin fee / account holder | $1,823 | $10,687-82.9% | $17,890-89.8% | $7,856-76.8% |