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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 | $12,482 | $123,793-89.9% | $177,848-93.0% | $79,856-84.4% |
| Participation rate | 40.5% | 84.7%-44.1pp | 87.7%-47.2pp | 69.6%-29.1pp |
| Annual return | 11.68% | 22.82%-11.1pp | 48.33%-36.6pp | 31.71%-20.0pp |
| Employer contribution / active EE | $0 | $4,095-100.0% | $5,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,067 | $5,956-65.3% | $7,714-73.2% | $3,741-44.7% |
| Admin fee / account holder | $1,248 | $7,243-82.8% | $12,431-90.0% | $5,306-76.5% |