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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 | $18,554 | $80,983-77.1% | $96,544-80.8% | $75,177-75.3% |
| Participation rate | 18.5% | 71.8%-53.3pp | 76.0%-57.5pp | 67.2%-48.7pp |
| Annual return | 13.00% | 27.05%-14.1pp | 25.88%-12.9pp | 160.75%-147.8pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $2,966-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,051 | $3,929-73.2% | $4,851-78.3% | $4,126-74.5% |
| Admin fee / account holder | $3,420 | $6,717-49.1% | $8,254-58.6% | $5,651-39.5% |