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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 | $9,415 | $146,267-93.6% | $197,124-95.2% | $82,448-88.6% |
| Participation rate | 16.3% | 84.0%-67.7pp | 86.7%-70.4pp | 68.1%-51.8pp |
| Annual return | 15.97% | 29.61%-13.6pp | 44.34%-28.4pp | 41.64%-25.7pp |
| Employer contribution / active EE | $0 | $4,723-100.0% | $6,227-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $706 | $7,035-90.0% | $9,135-92.3% | $4,139-82.9% |
| Admin fee / account holder | $747 | $14,422-94.8% | $16,298-95.4% | $7,234-89.7% |