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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 | $29,876 | $74,089-59.7% | $133,975-77.7% | $55,167-45.8% |
| Participation rate | 25.2% | 84.3%-59.1pp | 87.1%-61.9pp | 69.0%-43.8pp |
| Annual return | 13.45% | 12.11%+1.3pp | 29.29%-15.8pp | 169.23%-155.8pp |
| Employer contribution / active EE | $0 | $3,064-100.0% | $5,211-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,004 | $4,678-78.5% | $6,282-84.0% | $3,054-67.1% |
| Admin fee / account holder | $704 | $458+53.6% | $9,324-92.5% | $504+39.6% |