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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 | $16,317 | $73,787-77.9% | $98,716-83.5% | $82,448-80.2% |
| Participation rate | 9.3% | 61.4%-52.1pp | 69.3%-60.0pp | 68.1%-58.8pp |
| Annual return | 22.60% | 18.57%+4.0pp | 31.81%-9.2pp | 41.64%-19.0pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $657 | $3,081-78.7% | $4,048-83.8% | $4,139-84.1% |
| Admin fee / account holder | $2,189 | $6,500-66.3% | $8,703-74.9% | $7,234-69.7% |