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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 | $21,314 | $71,878-70.3% | $86,698-75.4% | $68,486-68.9% |
| Participation rate | 41.1% | 72.2%-31.2pp | 76.6%-35.5pp | 67.9%-26.8pp |
| Annual return | 0.12% | 3.53%-3.4pp | 35.95%-35.8pp | -7.85%+8.0pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $750 | $3,779-80.2% | $4,656-83.9% | $4,028-81.4% |
| Admin fee / account holder | $662 | $6,113-89.2% | $7,493-91.2% | $5,404-87.7% |