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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 | $64,734-81.2% | $90,796-86.6% | $64,097-81.0% |
| Participation rate | 12.3% | 53.2%-40.9pp | 69.5%-57.2pp | 55.2%-42.9pp |
| Annual return | 24.92% | 17.77%+7.1pp | 19.29%+5.6pp | 34.64%-9.7pp |
| Employer contribution / active EE | $0 | $1,703-100.0% | $2,294-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $906 | $2,629-65.6% | $3,822-76.3% | $3,080-70.6% |
| Admin fee / account holder | $4,056 | $3,474+16.8% | $7,024-42.3% | $3,454+17.4% |