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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 | $10,643 | $39,132-72.8% | $57,196-81.4% | $62,881-83.1% |
| Participation rate | 12.5% | 70.5%-58.0pp | 75.3%-62.8pp | 69.3%-56.8pp |
| Annual return | 20.86% | 9.24%+11.6pp | 14.59%+6.3pp | 20.14%+0.7pp |
| Employer contribution / active EE | $0 | $1,874-100.0% | $2,683-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $409 | $2,374-82.8% | $3,096-86.8% | $3,203-87.2% |
| Admin fee / account holder | $2,078 | $2,594-19.9% | $3,141-33.8% | $4,296-51.6% |