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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 | $12,902 | $96,731-86.7% | $123,973-89.6% | $86,983-85.2% |
| Participation rate | 23.0% | 70.0%-47.1pp | 76.7%-53.7pp | 69.5%-46.6pp |
| Annual return | 20.68% | 17.33%+3.4pp | 388.13%-367.4pp | 25.83%-5.2pp |
| Employer contribution / active EE | $0 | $3,297-100.0% | $4,126-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,320 | $4,152-68.2% | $5,247-74.8% | $4,194-68.5% |
| Admin fee / account holder | $2,683 | $8,722-69.2% | $11,799-77.3% | $7,856-65.8% |