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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 | $22,749 | $128,603-82.3% | $197,124-88.5% | $67,986-66.5% |
| Participation rate | 28.8% | 81.7%-52.8pp | 86.7%-57.9pp | 57.2%-28.4pp |
| Annual return | 26.37% | 23.77%+2.6pp | 44.34%-18.0pp | 31.67%-5.3pp |
| Employer contribution / active EE | $0 | $4,379-100.0% | $6,227-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,304 | $6,840-80.9% | $9,135-85.7% | $3,358-61.2% |
| Admin fee / account holder | $2,015 | $3,035-33.6% | $16,298-87.6% | $3,203-37.1% |