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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 | $22,968 | $54,245-57.7% | $93,727-75.5% | $77,762-70.5% |
| Participation rate | 9.9% | 63.9%-54.0pp | 68.7%-58.8pp | 70.6%-60.6pp |
| Annual return | 12.71% | 30.58%-17.9pp | 133.83%-121.1pp | 31.27%-18.6pp |
| Employer contribution / active EE | $0 | $1,168-100.0% | $2,421-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $818 | $3,144-74.0% | $4,417-81.5% | $4,651-82.4% |
| Admin fee / account holder | $967 | $575+68.1% | $8,292-88.3% | $433+123.5% |