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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 | $6,919 | $106,524-93.5% | $152,301-95.5% | $87,485-92.1% |
| Participation rate | 55.2% | 75.8%-20.5pp | 82.4%-27.2pp | 68.9%-13.7pp |
| Annual return | 18.56% | 26.89%-8.3pp | 80.50%-61.9pp | 26.06%-7.5pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,273 | $6,525-80.5% | $8,004-84.1% | $4,274-70.2% |
| Admin fee / account holder | $325 | $8,287-96.1% | $14,398-97.7% | $7,775-95.8% |