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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 | $20,554 | $95,404-78.5% | $113,397-81.9% | $82,637-75.1% |
| Participation rate | 29.4% | 72.8%-43.4pp | 76.5%-47.1pp | 68.1%-38.6pp |
| Annual return | 12.21% | 19.08%-6.9pp | 23.20%-11.0pp | 53.51%-41.3pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,124 | $4,220-73.4% | $5,076-77.9% | $4,126-72.8% |
| Admin fee / account holder | $1,054 | $9,168-88.5% | $11,957-91.2% | $7,339-85.6% |