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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 | $19,194 | $81,504-76.5% | $102,437-81.3% | $80,959-76.3% |
| Participation rate | 15.2% | 66.9%-51.7pp | 74.5%-59.4pp | 67.7%-52.5pp |
| Annual return | 21.95% | 25.60%-3.6pp | 24.95%-3.0pp | 35.67%-13.7pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $884 | $3,871-77.1% | $5,060-82.5% | $4,300-79.4% |
| Admin fee / account holder | $2,407 | $6,719-64.2% | $8,388-71.3% | $6,925-65.2% |