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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 | $22,919 | $101,752-77.5% | $164,928-86.1% | $80,911-71.7% |
| Participation rate | 20.0% | 71.8%-51.8pp | 78.6%-58.6pp | 67.6%-47.6pp |
| Annual return | 15.93% | 16.73%-0.8pp | 70.08%-54.2pp | 35.63%-19.7pp |
| Employer contribution / active EE | $0 | $2,953-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,064 | $4,477-76.2% | $6,034-82.4% | $4,297-75.2% |
| Admin fee / account holder | $3,411 | $8,218-58.5% | $12,684-73.1% | $6,935-50.8% |