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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 | $22,581 | $64,010-64.7% | $108,359-79.2% | $64,340-64.9% |
| Participation rate | 5.7% | 49.4%-43.7pp | 70.1%-64.5pp | 55.2%-49.6pp |
| Annual return | 16.18% | 19.74%-3.6pp | 36.89%-20.7pp | 24.14%-8.0pp |
| Employer contribution / active EE | $0 | $1,029-100.0% | $2,399-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $171 | $2,395-92.9% | $4,137-95.9% | $2,980-94.3% |
| Admin fee / account holder | $659 | $4,885-86.5% | $9,741-93.2% | $3,703-82.2% |