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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 | $7,393 | $73,988-90.0% | $96,538-92.3% | $75,177-90.2% |
| Participation rate | 21.3% | 66.4%-45.2pp | 74.3%-53.1pp | 67.2%-46.0pp |
| Annual return | 19.47% | 26.73%-7.3pp | 35.74%-16.3pp | 160.75%-141.3pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,342 | $3,660-63.3% | $4,880-72.5% | $4,126-67.5% |
| Admin fee / account holder | $1,434 | $5,220-72.5% | $6,737-78.7% | $5,651-74.6% |