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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 | $16,237 | $100,194-83.8% | $122,979-86.8% | $86,983-81.3% |
| Participation rate | 23.7% | 73.0%-49.3pp | 77.2%-53.5pp | 69.5%-45.9pp |
| Annual return | 16.72% | 16.47%+0.2pp | 20.12%-3.4pp | 25.83%-9.1pp |
| Employer contribution / active EE | $0 | $2,326-100.0% | $3,062-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,003 | $4,133-75.7% | $5,003-80.0% | $4,194-76.1% |
| Admin fee / account holder | $2,812 | $10,148-72.3% | $12,864-78.1% | $7,856-64.2% |