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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 | $23,481 | $176,838-86.7% | $146,685-84.0% | $167,518-86.0% |
| Participation rate | 52.9% | 83.6%-30.7pp | 80.1%-27.1pp | 82.1%-29.2pp |
| Annual return | 12.00% | 24.04%-12.0pp | 22.75%-10.8pp | 478.71%-466.7pp |
| Employer contribution / active EE | $0 | $5,161-100.0% | $4,137-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $1,386 | $6,441-78.5% | $5,507-74.8% | $6,342-78.1% |
| Admin fee / account holder | $559 | $13,262-95.8% | $10,281-94.6% | $12,312-95.5% |