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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 | $21,794 | $67,602-67.8% | $82,312-73.5% | $70,126-68.9% |
| Participation rate | 32.1% | 72.8%-40.6pp | 76.9%-44.8pp | 69.5%-37.4pp |
| Annual return | 18.93% | 21.57%-2.6pp | 25.88%-7.0pp | 73.15%-54.2pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,026 | $2,987-65.6% | $3,706-72.3% | $3,332-69.2% |
| Admin fee / account holder | $301 | $4,512-93.3% | $5,608-94.6% | $4,645-93.5% |