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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 | $16,752 | $74,535-77.5% | $100,712-83.4% | $82,637-79.7% |
| Participation rate | 26.5% | 61.2%-34.6pp | 69.3%-42.7pp | 68.1%-41.5pp |
| Annual return | 16.01% | 18.92%-2.9pp | 33.27%-17.3pp | 53.51%-37.5pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $766 | $3,074-75.1% | $4,085-81.3% | $4,126-81.4% |
| Admin fee / account holder | $1,134 | $6,576-82.8% | $9,256-87.7% | $7,339-84.5% |