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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 | $14,953 | $106,749-86.0% | $145,433-89.7% | $82,448-81.9% |
| Participation rate | 20.3% | 75.6%-55.4pp | 82.1%-61.8pp | 68.1%-47.8pp |
| Annual return | 17.12% | 27.59%-10.5pp | 66.58%-49.5pp | 41.64%-24.5pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,044 | $6,519-84.0% | $7,897-86.8% | $4,139-74.8% |
| Admin fee / account holder | $629 | $8,390-92.5% | $13,129-95.2% | $7,234-91.3% |