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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 | $35,273 | $254,759-86.2% | $216,567-83.7% | $198,609-82.2% |
| Participation rate | 15.0% | 84.5%-69.5pp | 81.6%-66.6pp | 82.4%-67.4pp |
| Annual return | 21.80% | 10.04%+11.8pp | 12.94%+8.9pp | 202.70%-180.9pp |
| Employer contribution / active EE | $0 | $6,096-100.0% | $5,216-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $1,670 | $6,948-76.0% | $6,191-73.0% | $6,977-76.1% |
| Admin fee / account holder | $1,952 | $26,311-92.6% | $21,981-91.1% | $19,030-89.7% |