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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 | $18,775 | $71,230-73.6% | $93,727-80.0% | $80,959-76.8% |
| Participation rate | 20.5% | 60.4%-39.9pp | 68.7%-48.2pp | 67.7%-47.2pp |
| Annual return | 21.29% | 11.26%+10.0pp | 133.83%-112.5pp | 35.67%-14.4pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,421-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,197 | $4,037-70.4% | $4,417-72.9% | $4,300-72.2% |
| Admin fee / account holder | $7,707 | $6,961+10.7% | $8,292-7.1% | $6,925+11.3% |