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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 | $22,673 | $106,864-78.8% | $147,318-84.6% | $82,637-72.6% |
| Participation rate | 17.9% | 75.5%-57.6pp | 82.1%-64.1pp | 68.1%-50.1pp |
| Annual return | 15.09% | 27.49%-12.4pp | 70.43%-55.3pp | 53.51%-38.4pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,221 | $6,496-81.2% | $7,906-84.6% | $4,126-70.4% |
| Admin fee / account holder | $568 | $8,415-93.2% | $13,708-95.9% | $7,339-92.3% |