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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 | $15,023 | $78,670-80.9% | $109,173-86.2% | $85,847-82.5% |
| Participation rate | 9.1% | 68.3%-59.2pp | 75.9%-66.8pp | 69.3%-60.2pp |
| Annual return | 12.96% | 25.09%-12.1pp | 25.75%-12.8pp | 318.61%-305.6pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $996 | $3,467-71.3% | $4,654-78.6% | $3,952-74.8% |
| Admin fee / account holder | $2,663 | $5,469-51.3% | $6,755-60.6% | $6,261-57.5% |