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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 | $15,351 | $73,978-79.2% | $96,515-84.1% | $75,173-79.6% |
| Participation rate | 16.2% | 66.4%-50.2pp | 74.3%-58.1pp | 67.2%-51.0pp |
| Annual return | 20.42% | 26.72%-6.3pp | 35.73%-15.3pp | 160.72%-140.3pp |
| Employer contribution / active EE | $0 | $2,931-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $594 | $3,660-83.8% | $4,880-87.8% | $4,126-85.6% |
| Admin fee / account holder | $2,405 | $5,219-53.9% | $6,735-64.3% | $5,651-57.4% |