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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 | $12,311 | $59,186-79.2% | $76,766-84.0% | $56,287-78.1% |
| Participation rate | 17.0% | 75.2%-58.3pp | 77.0%-60.0pp | 69.9%-52.9pp |
| Annual return | 14.30% | 6.62%+7.7pp | 2.43%+11.9pp | -9.96%+24.3pp |
| Employer contribution / active EE | $0 | $1,759-100.0% | $2,485-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $367 | $3,255-88.7% | $3,851-90.5% | $3,350-89.0% |
| Admin fee / account holder | $1,189 | $489+143.2% | $6,675-82.2% | $521+128.3% |