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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 | $68,586-83.8% | $120,380-90.8% | $80,911-86.3% |
| Participation rate | 27.0% | 61.6%-34.6pp | 71.9%-44.9pp | 67.6%-40.6pp |
| Annual return | 13.68% | 23.62%-9.9pp | 107.28%-93.6pp | 35.63%-21.9pp |
| Employer contribution / active EE | $1,304 | $2,053-36.5% | $3,465-62.4% | $2,756-52.7% |
| Participant deferral / active EE | $0 | $3,174-100.0% | $4,992-100.0% | $4,297-100.0% |
| Admin fee / account holder | $715 | $5,733-87.5% | $9,421-92.4% | $6,935-89.7% |