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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 | $7,481 | $76,550-90.2% | $123,894-94.0% | $62,881-88.1% |
| Participation rate | 44.7% | 73.0%-28.3pp | 81.4%-36.7pp | 69.3%-24.6pp |
| Annual return | 5.90% | 18.67%-12.8pp | 47.52%-41.6pp | 20.14%-14.2pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,381 | $4,840-71.5% | $5,984-76.9% | $3,203-56.9% |
| Admin fee / account holder | $632 | $4,826-86.9% | $8,357-92.4% | $4,296-85.3% |