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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 | $21,972 | $77,677-71.7% | $109,173-79.9% | $79,391-72.3% |
| Participation rate | 23.7% | 67.8%-44.1pp | 75.9%-52.2pp | 70.7%-47.0pp |
| Annual return | 16.49% | 23.44%-7.0pp | 25.75%-9.3pp | 116.88%-100.4pp |
| Employer contribution / active EE | $0 | $2,798-100.0% | $3,723-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $1,024 | $3,517-70.9% | $4,654-78.0% | $4,046-74.7% |
| Admin fee / account holder | $525 | $732-28.3% | $6,755-92.2% | $627-16.2% |