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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 | $14,336 | $98,776-85.5% | $149,745-90.4% | $79,856-82.0% |
| Participation rate | 27.9% | 75.8%-47.9pp | 82.5%-54.6pp | 69.6%-41.7pp |
| Annual return | 19.04% | 27.38%-8.3pp | 276.72%-257.7pp | 31.71%-12.7pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,970 | $5,681-65.3% | $6,843-71.2% | $3,741-47.3% |
| Admin fee / account holder | $939 | $6,053-84.5% | $9,312-89.9% | $5,306-82.3% |