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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 | $16,461 | $86,949-81.1% | $102,460-83.9% | $80,959-79.7% |
| Participation rate | 13.9% | 72.4%-58.5pp | 76.5%-62.6pp | 67.7%-53.8pp |
| Annual return | 14.21% | 18.89%-4.7pp | 29.47%-15.3pp | 35.67%-21.5pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $879 | $4,121-78.7% | $5,056-82.6% | $4,300-79.6% |
| Admin fee / account holder | $1,829 | $8,048-77.3% | $9,460-80.7% | $6,925-73.6% |