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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 | $7,190 | $65,246-89.0% | $98,716-92.7% | $67,986-89.4% |
| Participation rate | 23.4% | 51.4%-28.0pp | 69.3%-45.9pp | 57.2%-33.8pp |
| Annual return | 25.10% | 20.58%+4.5pp | 31.81%-6.7pp | 31.67%-6.6pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $2,279-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $876 | $2,594-66.2% | $4,048-78.4% | $3,358-73.9% |
| Admin fee / account holder | $491 | $4,561-89.2% | $8,703-94.4% | $3,203-84.7% |