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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 | $9,908 | $55,713-82.2% | $75,901-86.9% | $72,975-86.4% |
| Participation rate | 23.5% | 61.1%-37.6pp | 69.3%-45.8pp | 69.5%-46.0pp |
| Annual return | 36.76% | 27.60%+9.2pp | 30.76%+6.0pp | 81.01%-44.2pp |
| Employer contribution / active EE | $0 | $1,687-100.0% | $2,501-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $364 | $2,634-86.2% | $3,603-89.9% | $3,608-89.9% |
| Admin fee / account holder | $481 | $3,980-87.9% | $5,420-91.1% | $5,124-90.6% |