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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 | $63,904-76.0% | $89,340-82.9% | $67,986-77.5% |
| Participation rate | 9.4% | 54.3%-44.9pp | 69.6%-60.1pp | 57.2%-47.8pp |
| Annual return | 33.85% | 18.09%+15.8pp | 20.57%+13.3pp | 31.67%+2.2pp |
| Employer contribution / active EE | $0 | $1,627-100.0% | $2,231-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $559 | $2,691-79.2% | $3,823-85.4% | $3,358-83.4% |
| Admin fee / account holder | $1,084 | $3,315-67.3% | $6,704-83.8% | $3,203-66.2% |