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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 | $16,689 | $106,749-84.4% | $145,433-88.5% | $82,448-79.8% |
| Participation rate | 20.4% | 75.6%-55.2pp | 82.1%-61.7pp | 68.1%-47.7pp |
| Annual return | 15.34% | 27.59%-12.2pp | 66.58%-51.2pp | 41.64%-26.3pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $779 | $6,519-88.0% | $7,897-90.1% | $4,139-81.2% |
| Admin fee / account holder | $358 | $8,390-95.7% | $13,129-97.3% | $7,234-95.1% |