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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 | $8,636 | $60,349-85.7% | $74,184-88.4% | $62,881-86.3% |
| Participation rate | 6.5% | 72.7%-66.3pp | 76.6%-70.2pp | 69.3%-62.9pp |
| Annual return | 8.15% | 21.38%-13.2pp | 17.74%-9.6pp | 20.14%-12.0pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $536 | $2,856-81.2% | $3,550-84.9% | $3,203-83.3% |
| Admin fee / account holder | $373 | $4,261-91.2% | $5,586-93.3% | $4,296-91.3% |