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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 | $24,664 | $65,246-62.2% | $98,716-75.0% | $67,986-63.7% |
| Participation rate | 13.9% | 51.4%-37.6pp | 69.3%-55.4pp | 57.2%-43.3pp |
| Annual return | 20.59% | 20.58%0pp | 31.81%-11.2pp | 31.67%-11.1pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $2,279-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $727 | $2,594-72.0% | $4,048-82.0% | $3,358-78.3% |
| Admin fee / account holder | $1,494 | $4,561-67.2% | $8,703-82.8% | $3,203-53.4% |