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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 | $19,098 | $138,385-86.2% | $184,243-89.6% | $80,925-76.4% |
| Participation rate | 59.4% | 83.9%-24.5pp | 86.8%-27.5pp | 67.7%-8.3pp |
| Annual return | 11.58% | 20.02%-8.4pp | 28.82%-17.2pp | 35.65%-24.1pp |
| Employer contribution / active EE | $0 | $4,851-100.0% | $6,427-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,580 | $7,075-63.5% | $9,132-71.7% | $4,299-40.0% |
| Admin fee / account holder | $3,666 | $10,489-65.0% | $13,914-73.6% | $6,940-47.2% |