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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 | $19,677 | $73,978-73.4% | $96,515-79.6% | $75,173-73.8% |
| Participation rate | 35.0% | 66.4%-31.4pp | 74.3%-39.3pp | 67.2%-32.2pp |
| Annual return | 14.88% | 26.72%-11.8pp | 35.73%-20.9pp | 160.72%-145.8pp |
| Employer contribution / active EE | $0 | $2,931-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $584 | $3,660-84.0% | $4,880-88.0% | $4,126-85.8% |
| Admin fee / account holder | $587 | $5,219-88.8% | $6,735-91.3% | $5,651-89.6% |