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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 | $34,570 | $123,793-72.1% | $177,840-80.6% | $79,852-56.7% |
| Participation rate | 33.3% | 84.7%-51.3pp | 87.7%-54.4pp | 69.6%-36.3pp |
| Annual return | 16.09% | 22.82%-6.7pp | 48.32%-32.2pp | 31.72%-15.6pp |
| Employer contribution / active EE | $0 | $4,095-100.0% | $5,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,268 | $5,956-61.9% | $7,714-70.6% | $3,740-39.4% |
| Admin fee / account holder | $2,605 | $7,243-64.0% | $12,431-79.0% | $5,306-50.9% |