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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 | $11,535 | $73,978-84.4% | $96,515-88.0% | $75,173-84.7% |
| Participation rate | 10.7% | 66.4%-55.7pp | 74.3%-63.6pp | 67.2%-56.5pp |
| Annual return | 17.57% | 26.72%-9.2pp | 35.73%-18.2pp | 160.72%-143.2pp |
| Employer contribution / active EE | $0 | $2,931-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $442 | $3,660-87.9% | $4,880-90.9% | $4,126-89.3% |
| Admin fee / account holder | $623 | $5,219-88.1% | $6,735-90.8% | $5,651-89.0% |