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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 | $5,543 | $73,988-92.5% | $96,538-94.3% | $75,177-92.6% |
| Participation rate | 17.9% | 66.4%-48.6pp | 74.3%-56.5pp | 67.2%-49.3pp |
| Annual return | 14.00% | 26.73%-12.7pp | 35.74%-21.7pp | 160.75%-146.7pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $326 | $3,660-91.1% | $4,880-93.3% | $4,126-92.1% |
| Admin fee / account holder | $1,293 | $5,220-75.2% | $6,737-80.8% | $5,651-77.1% |