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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 | $11,716 | $138,393-91.5% | $184,256-93.6% | $80,959-85.5% |
| Participation rate | 51.9% | 83.9%-32.0pp | 86.8%-35.0pp | 67.7%-15.8pp |
| Annual return | 20.55% | 20.01%+0.5pp | 28.85%-8.3pp | 35.67%-15.1pp |
| Employer contribution / active EE | $0 | $4,847-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,837 | $7,076-74.0% | $9,133-79.9% | $4,300-57.3% |
| Admin fee / account holder | $7,214 | $10,489-31.2% | $13,899-48.1% | $6,925+4.2% |