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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 | $6,394 | $76,551-91.6% | $123,894-94.8% | $62,881-89.8% |
| Participation rate | 22.9% | 73.0%-50.1pp | 81.4%-58.6pp | 69.3%-46.4pp |
| Annual return | 7.75% | 18.68%-10.9pp | 47.52%-39.8pp | 20.14%-12.4pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,426 | $4,840-70.5% | $5,984-76.2% | $3,203-55.5% |
| Admin fee / account holder | $1,162 | $4,826-75.9% | $8,357-86.1% | $4,296-73.0% |