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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 | $10,478 | $64,909-83.9% | $82,312-87.3% | $62,293-83.2% |
| Participation rate | 62.0% | 74.9%-12.9pp | 76.9%-14.9pp | 69.5%-7.5pp |
| Annual return | 16.83% | 21.18%-4.4pp | 25.88%-9.0pp | 28.90%-12.1pp |
| Employer contribution / active EE | $0 | $1,676-100.0% | $2,428-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $341 | $3,103-89.0% | $3,706-90.8% | $3,169-89.2% |
| Admin fee / account holder | $790 | $440+79.8% | $5,608-85.9% | $479+64.9% |