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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 | $18,034 | $60,349-70.1% | $74,184-75.7% | $62,881-71.3% |
| Participation rate | 17.5% | 72.7%-55.2pp | 76.6%-59.1pp | 69.3%-51.8pp |
| Annual return | 5.78% | 21.38%-15.6pp | 17.74%-12.0pp | 20.14%-14.4pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $212 | $2,856-92.6% | $3,550-94.0% | $3,203-93.4% |
| Admin fee / account holder | $1,099 | $4,261-74.2% | $5,586-80.3% | $4,296-74.4% |