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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 | $13,145 | $93,057-85.9% | $153,500-91.4% | $80,925-83.8% |
| Participation rate | 16.3% | 69.0%-52.7pp | 77.1%-60.8pp | 67.7%-51.3pp |
| Annual return | 13.01% | 19.96%-7.0pp | 15.70%-2.7pp | 35.65%-22.6pp |
| Employer contribution / active EE | $0 | $3,507-100.0% | $5,039-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $219 | $5,179-95.8% | $6,756-96.8% | $4,299-94.9% |
| Admin fee / account holder | $1,186 | $8,885-86.7% | $12,736-90.7% | $6,940-82.9% |