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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 | $21,615 | $66,319-67.4% | $93,621-76.9% | $65,185-66.8% |
| Participation rate | 15.9% | 74.0%-58.1pp | 75.8%-59.9pp | 70.2%-54.3pp |
| Annual return | 20.73% | 42.59%-21.9pp | 32.76%-12.0pp | 29.38%-8.7pp |
| Employer contribution / active EE | $0 | $2,013-100.0% | $2,719-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $687 | $3,343-79.4% | $4,070-83.1% | $3,514-80.4% |
| Admin fee / account holder | $710 | $6,900-89.7% | $7,890-91.0% | $847-16.3% |