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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 | $13,500 | $101,778-86.7% | $164,975-91.8% | $80,925-83.3% |
| Participation rate | 29.4% | 71.8%-42.4pp | 78.6%-49.2pp | 67.7%-38.2pp |
| Annual return | 13.70% | 16.73%-3.0pp | 70.12%-56.4pp | 35.65%-22.0pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $644 | $4,477-85.6% | $6,033-89.3% | $4,299-85.0% |
| Admin fee / account holder | $512 | $8,221-93.8% | $12,688-96.0% | $6,940-92.6% |