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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 | $11,563 | $115,911-90.0% | $100,530-88.5% | $158,950-92.7% |
| Participation rate | 8.7% | 81.6%-72.9pp | 79.4%-70.7pp | 82.0%-73.3pp |
| Annual return | 24.50% | 34.80%-10.3pp | 30.89%-6.4pp | 302.91%-278.4pp |
| Employer contribution / active EE | $0 | $4,104-100.0% | $3,418-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $499 | $6,676-92.5% | $6,271-92.0% | $5,983-91.7% |
| Admin fee / account holder | $2,015 | $10,999-81.7% | $8,083-75.1% | $11,248-82.1% |