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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 | $16,452 | $80,138-79.5% | $130,270-87.4% | $71,529-77.0% |
| Participation rate | 5.6% | 71.0%-65.4pp | 76.3%-70.7pp | 67.9%-62.4pp |
| Annual return | 22.29% | 16.81%+5.5pp | 38.89%-16.6pp | 28.97%-6.7pp |
| Employer contribution / active EE | $0 | $2,834-100.0% | $4,128-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $1,423 | $4,641-69.3% | $6,797-79.1% | $4,291-66.8% |
| Admin fee / account holder | $1,275 | $1,035+23.2% | $6,022-78.8% | $1,588-19.7% |