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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 | $8,287 | $64,359-87.1% | $90,161-90.8% | $70,126-88.2% |
| Participation rate | 19.4% | 70.4%-51.1pp | 76.9%-57.5pp | 69.5%-50.2pp |
| Annual return | 15.41% | 28.13%-12.7pp | 34.89%-19.5pp | 73.15%-57.7pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $756 | $4,389-82.8% | $5,287-85.7% | $3,332-77.3% |
| Admin fee / account holder | $800 | $3,945-79.7% | $5,943-86.5% | $4,645-82.8% |