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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 | $15,224 | $145,431-89.5% | $211,142-92.8% | $87,485-82.6% |
| Participation rate | 42.9% | 84.7%-41.9pp | 87.3%-44.4pp | 68.9%-26.1pp |
| Annual return | 15.31% | 27.21%-11.9pp | 46.84%-31.5pp | 26.06%-10.7pp |
| Employer contribution / active EE | $0 | $4,662-100.0% | $6,442-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,012 | $6,859-85.2% | $9,284-89.1% | $4,274-76.3% |
| Admin fee / account holder | $1,540 | $17,052-91.0% | $19,076-91.9% | $7,775-80.2% |