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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 | $10,651 | $59,839-82.2% | $81,991-87.0% | $79,852-86.7% |
| Participation rate | 20.6% | 61.6%-41.0pp | 69.3%-48.6pp | 69.6%-49.0pp |
| Annual return | 13.67% | 17.56%-3.9pp | 41.31%-27.6pp | 31.72%-18.0pp |
| Employer contribution / active EE | $0 | $1,713-100.0% | $2,498-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $107 | $2,695-96.0% | $3,722-97.1% | $3,740-97.1% |
| Admin fee / account holder | $1,292 | $4,287-69.9% | $5,665-77.2% | $5,306-75.6% |