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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 | $10,163 | $93,617-89.1% | $135,982-92.5% | $75,177-86.5% |
| Participation rate | 13.3% | 75.2%-61.9pp | 81.9%-68.6pp | 67.2%-53.9pp |
| Annual return | 20.98% | 30.89%-9.9pp | 68.32%-47.3pp | 160.75%-139.8pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,287 | $6,406-79.9% | $7,760-83.4% | $4,126-68.8% |
| Admin fee / account holder | $2,429 | $6,980-65.2% | $10,767-77.4% | $5,651-57.0% |