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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 | $12,189 | $63,904-80.9% | $89,340-86.4% | $67,986-82.1% |
| Participation rate | 12.3% | 54.3%-42.1pp | 69.6%-57.3pp | 57.2%-44.9pp |
| Annual return | 24.92% | 18.09%+6.8pp | 20.57%+4.3pp | 31.67%-6.7pp |
| Employer contribution / active EE | $0 | $1,627-100.0% | $2,231-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $906 | $2,691-66.3% | $3,823-76.3% | $3,358-73.0% |
| Admin fee / account holder | $4,056 | $3,315+22.4% | $6,704-39.5% | $3,203+26.6% |