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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 | $14,821 | $83,023-82.1% | $102,437-85.5% | $77,762-80.9% |
| Participation rate | 4.1% | 71.5%-67.5pp | 74.5%-70.4pp | 70.6%-66.5pp |
| Annual return | 12.60% | 19.12%-6.5pp | 24.95%-12.4pp | 31.27%-18.7pp |
| Employer contribution / active EE | $0 | $3,552-100.0% | $3,871-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $148 | $4,110-96.4% | $5,060-97.1% | $4,651-96.8% |
| Admin fee / account holder | $540 | $639-15.5% | $8,388-93.6% | $433+24.8% |