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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 | $14,062 | $90,400-84.4% | $186,193-92.4% | $87,485-83.9% |
| Participation rate | 38.2% | 66.2%-28.0pp | 77.1%-38.9pp | 68.9%-30.7pp |
| Annual return | 15.20% | 22.15%-6.9pp | 78.03%-62.8pp | 26.06%-10.9pp |
| Employer contribution / active EE | $0 | $2,170-100.0% | $3,918-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $696 | $4,330-83.9% | $6,513-89.3% | $4,274-83.7% |
| Admin fee / account holder | $2,603 | $8,673-70.0% | $11,058-76.5% | $7,775-66.5% |