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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 | $12,379 | $62,672-80.2% | $185,117-93.3% | $70,124-82.3% |
| Participation rate | 20.6% | 63.8%-43.2pp | 77.3%-56.7pp | 69.5%-49.0pp |
| Annual return | 18.61% | 40.79%-22.2pp | 40.50%-21.9pp | 73.14%-54.5pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $285 | $3,272-91.3% | $5,045-94.4% | $3,332-91.4% |
| Admin fee / account holder | $1,504 | $3,932-61.7% | $8,159-81.6% | $4,645-67.6% |