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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 | $30,166 | $138,393-78.2% | $184,256-83.6% | $80,959-62.7% |
| Participation rate | 32.7% | 83.9%-51.2pp | 86.8%-54.1pp | 67.7%-34.9pp |
| Annual return | 22.06% | 20.01%+2.0pp | 28.85%-6.8pp | 35.67%-13.6pp |
| Employer contribution / active EE | $0 | $4,847-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,438 | $7,076-79.7% | $9,133-84.3% | $4,300-66.6% |
| Admin fee / account holder | $1,357 | $10,489-87.1% | $13,899-90.2% | $6,925-80.4% |