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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 | $10,179 | $60,349-83.1% | $74,184-86.3% | $62,881-83.8% |
| Participation rate | 31.0% | 72.7%-41.7pp | 76.6%-45.6pp | 69.3%-38.3pp |
| Annual return | 8.63% | 21.38%-12.7pp | 17.74%-9.1pp | 20.14%-11.5pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $718 | $2,856-74.8% | $3,550-79.8% | $3,203-77.6% |
| Admin fee / account holder | $710 | $4,261-83.3% | $5,586-87.3% | $4,296-83.5% |