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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 | $22,343 | $95,453-76.6% | $112,040-80.1% | $82,448-72.9% |
| Participation rate | 20.3% | 72.8%-52.5pp | 76.5%-56.2pp | 68.1%-47.8pp |
| Annual return | 18.90% | 23.92%-5.0pp | 24.52%-5.6pp | 41.64%-22.7pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,358 | $4,224-67.9% | $5,098-73.4% | $4,139-67.2% |
| Admin fee / account holder | $3,128 | $9,013-65.3% | $12,098-74.1% | $7,234-56.8% |