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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 | $10,536 | $52,580-80.0% | $71,671-85.3% | $70,126-85.0% |
| Participation rate | 12.5% | 60.9%-48.4pp | 68.7%-56.2pp | 69.5%-57.0pp |
| Annual return | 21.68% | 20.25%+1.4pp | 20.65%+1.0pp | 73.15%-51.5pp |
| Employer contribution / active EE | $0 | $1,616-100.0% | $2,460-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $413 | $2,386-82.7% | $3,438-88.0% | $3,332-87.6% |
| Admin fee / account holder | $545 | $3,653-85.1% | $5,558-90.2% | $4,645-88.3% |