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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 | $13,568 | $108,825-87.5% | $156,181-91.3% | $82,448-83.5% |
| Participation rate | 61.3% | 72.4%-11.1pp | 78.8%-17.5pp | 68.1%-6.8pp |
| Annual return | 13.45% | 20.59%-7.1pp | 64.87%-51.4pp | 41.64%-28.2pp |
| Employer contribution / active EE | $0 | $2,870-100.0% | $4,294-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,405 | $4,577-69.3% | $6,132-77.1% | $4,139-66.0% |
| Admin fee / account holder | $715 | $9,341-92.3% | $14,586-95.1% | $7,234-90.1% |