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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 | $10,324 | $65,246-84.2% | $98,716-89.5% | $67,986-84.8% |
| Participation rate | 16.0% | 51.4%-35.4pp | 69.3%-53.3pp | 57.2%-41.2pp |
| Annual return | 18.49% | 20.58%-2.1pp | 31.81%-13.3pp | 31.67%-13.2pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $2,279-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $546 | $2,594-79.0% | $4,048-86.5% | $3,358-83.8% |
| Admin fee / account holder | $1,331 | $4,561-70.8% | $8,703-84.7% | $3,203-58.4% |