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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 | $8,093 | $45,698-82.3% | $61,048-86.7% | $72,976-88.9% |
| Participation rate | 42.6% | 74.3%-31.7pp | 79.3%-36.8pp | 69.5%-26.9pp |
| Annual return | 17.98% | 20.14%-2.2pp | 26.18%-8.2pp | 81.02%-63.0pp |
| Employer contribution / active EE | $1,408 | $2,803-49.8% | $3,716-62.1% | $2,440-42.3% |
| Participant deferral / active EE | $0 | $3,264-100.0% | $4,470-100.0% | $3,608-100.0% |
| Admin fee / account holder | $1,299 | $3,347-61.2% | $3,728-65.2% | $5,124-74.7% |