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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 | $15,321 | $62,086-75.3% | $90,259-83.0% | $64,340-76.2% |
| Participation rate | 9.4% | 53.9%-44.4pp | 70.7%-61.3pp | 55.2%-45.8pp |
| Annual return | 33.85% | 16.73%+17.1pp | 18.88%+15.0pp | 24.14%+9.7pp |
| Employer contribution / active EE | $0 | $1,883-100.0% | $2,291-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $559 | $2,557-78.2% | $3,827-85.4% | $2,980-81.3% |
| Admin fee / account holder | $1,084 | $3,317-67.3% | $7,267-85.1% | $3,703-70.7% |