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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 | $15,274 | $65,367-76.6% | $92,915-83.6% | $72,976-79.1% |
| Participation rate | 44.9% | 68.3%-23.4pp | 76.0%-31.1pp | 69.5%-24.6pp |
| Annual return | 33.07% | 42.11%-9.0pp | 109.45%-76.4pp | 81.02%-47.9pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $403 | $3,128-87.1% | $4,238-90.5% | $3,608-88.8% |
| Admin fee / account holder | $2,604 | $4,251-38.8% | $5,796-55.1% | $5,124-49.2% |