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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 | $26,613 | $100,194-73.4% | $122,979-78.4% | $86,983-69.4% |
| Participation rate | 57.8% | 73.0%-15.2pp | 77.2%-19.4pp | 69.5%-11.8pp |
| Annual return | 15.10% | 16.47%-1.4pp | 20.12%-5.0pp | 25.83%-10.7pp |
| Employer contribution / active EE | $0 | $2,326-100.0% | $3,062-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $868 | $4,133-79.0% | $5,003-82.7% | $4,194-79.3% |
| Admin fee / account holder | $1,164 | $10,148-88.5% | $12,864-91.0% | $7,856-85.2% |