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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 | $7,076 | $56,544-87.5% | $75,501-90.6% | $70,126-89.9% |
| Participation rate | 10.0% | 68.1%-58.1pp | 72.4%-62.4pp | 69.5%-59.5pp |
| Annual return | 17.59% | 23.59%-6.0pp | 27.35%-9.8pp | 73.15%-55.6pp |
| Employer contribution / active EE | $0 | $1,817-100.0% | $2,352-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $321 | $2,580-87.6% | $3,142-89.8% | $3,332-90.4% |
| Admin fee / account holder | $325 | $3,827-91.5% | $5,801-94.4% | $4,645-93.0% |