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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 | $30,030 | $108,825-72.4% | $156,181-80.8% | $82,448-63.6% |
| Participation rate | 15.1% | 72.4%-57.3pp | 78.8%-63.8pp | 68.1%-53.0pp |
| Annual return | 12.87% | 20.59%-7.7pp | 64.87%-52.0pp | 41.64%-28.8pp |
| Employer contribution / active EE | $0 | $2,870-100.0% | $4,294-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,565 | $4,577-65.8% | $6,132-74.5% | $4,139-62.2% |
| Admin fee / account holder | $617 | $9,341-93.4% | $14,586-95.8% | $7,234-91.5% |