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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 | $10,037 | $109,359-90.8% | $162,177-93.8% | $72,975-86.2% |
| Participation rate | 28.6% | 84.3%-55.7pp | 87.6%-59.0pp | 69.5%-40.9pp |
| Annual return | 21.68% | 25.46%-3.8pp | 115.60%-93.9pp | 81.01%-59.3pp |
| Employer contribution / active EE | $0 | $3,907-100.0% | $5,613-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,311 | $5,481-76.1% | $7,297-82.0% | $3,608-63.7% |
| Admin fee / account holder | $838 | $7,972-89.5% | $10,843-92.3% | $5,124-83.6% |