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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 | $11,103 | $68,878-83.9% | $120,574-90.8% | $80,935-86.3% |
| Participation rate | 27.0% | 61.7%-34.6pp | 71.9%-44.9pp | 67.7%-40.6pp |
| Annual return | 13.68% | 23.67%-10.0pp | 107.42%-93.7pp | 35.66%-22.0pp |
| Employer contribution / active EE | $1,304 | $2,065-36.9% | $3,471-62.4% | $2,757-52.7% |
| Participant deferral / active EE | $0 | $3,189-100.0% | $4,996-100.0% | $4,299-100.0% |
| Admin fee / account holder | $715 | $5,782-87.6% | $9,445-92.4% | $6,924-89.7% |