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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 | $8,231 | $69,444-88.1% | $92,985-91.1% | $87,485-90.6% |
| Participation rate | 59.5% | 63.3%-3.8pp | 69.5%-10.0pp | 68.9%-9.5pp |
| Annual return | 17.24% | 23.85%-6.6pp | 27.99%-10.8pp | 26.06%-8.8pp |
| Employer contribution / active EE | $0 | $1,917-100.0% | $2,662-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $940 | $3,364-72.1% | $4,377-78.5% | $4,274-78.0% |
| Admin fee / account holder | $991 | $6,137-83.8% | $9,463-89.5% | $7,775-87.2% |