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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 | $11,252 | $67,602-83.4% | $82,312-86.3% | $70,126-84.0% |
| Participation rate | 9.6% | 72.8%-63.1pp | 76.9%-67.3pp | 69.5%-59.9pp |
| Annual return | 15.21% | 21.57%-6.4pp | 25.88%-10.7pp | 73.15%-57.9pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $690 | $2,987-76.9% | $3,706-81.4% | $3,332-79.3% |
| Admin fee / account holder | $417 | $4,512-90.8% | $5,608-92.6% | $4,645-91.0% |