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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 | $28,538 | $145,431-80.4% | $211,142-86.5% | $87,485-67.4% |
| Participation rate | 44.7% | 84.7%-40.0pp | 87.3%-42.6pp | 68.9%-24.2pp |
| Annual return | 17.97% | 27.21%-9.2pp | 46.84%-28.9pp | 26.06%-8.1pp |
| Employer contribution / active EE | $0 | $4,662-100.0% | $6,442-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,100 | $6,859-69.4% | $9,284-77.4% | $4,274-50.9% |
| Admin fee / account holder | $1,810 | $17,052-89.4% | $19,076-90.5% | $7,775-76.7% |