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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 | $17,657 | $63,365-72.1% | $91,994-80.8% | $72,975-75.8% |
| Participation rate | 27.0% | 72.5%-45.5pp | 78.6%-51.6pp | 69.5%-42.5pp |
| Annual return | 40.28% | 35.35%+4.9pp | 69.04%-28.8pp | 81.01%-40.7pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,453-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,615 | $4,883-66.9% | $5,924-72.7% | $3,608-55.2% |
| Admin fee / account holder | $2,842 | $4,670-39.1% | $7,744-63.3% | $5,124-44.5% |