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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 | $146,267-89.6% | $197,124-92.3% | $82,448-81.5% |
| Participation rate | 42.9% | 84.0%-41.2pp | 86.7%-43.9pp | 68.1%-25.2pp |
| Annual return | 15.31% | 29.61%-14.3pp | 44.34%-29.0pp | 41.64%-26.3pp |
| Employer contribution / active EE | $0 | $4,723-100.0% | $6,227-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,012 | $7,035-85.6% | $9,135-88.9% | $4,139-75.5% |
| Admin fee / account holder | $1,540 | $14,422-89.3% | $16,298-90.6% | $7,234-78.7% |