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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 | $21,506 | $69,977-69.3% | $108,582-80.2% | $62,881-65.8% |
| Participation rate | 34.5% | 72.9%-38.4pp | 79.6%-45.1pp | 69.3%-34.8pp |
| Annual return | 5.45% | 10.73%-5.3pp | -51.70%+57.2pp | 20.14%-14.7pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,014 | $3,165-68.0% | $4,311-76.5% | $3,203-68.3% |
| Admin fee / account holder | $2,631 | $5,076-48.2% | $7,645-65.6% | $4,296-38.7% |