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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 | $14,315 | $50,919-71.9% | $155,556-90.8% | $77,762-81.6% |
| Participation rate | 10.6% | 63.1%-52.5pp | 78.2%-67.6pp | 70.6%-60.0pp |
| Annual return | 12.47% | 34.84%-22.4pp | 64.84%-52.4pp | 31.27%-18.8pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,675-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $442 | $2,824-84.4% | $5,631-92.2% | $4,651-90.5% |
| Admin fee / account holder | $1,348 | $437+208.6% | $15,885-91.5% | $433+211.3% |