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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 | $30,519 | $97,550-68.7% | $120,344-74.6% | $87,485-65.1% |
| Participation rate | 17.9% | 72.8%-54.9pp | 76.7%-58.8pp | 68.9%-51.0pp |
| Annual return | 13.87% | 18.41%-4.5pp | 20.30%-6.4pp | 26.06%-12.2pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $972 | $4,230-77.0% | $5,135-81.1% | $4,274-77.2% |
| Admin fee / account holder | $1,576 | $9,543-83.5% | $12,742-87.6% | $7,775-79.7% |