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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 | $12,916 | $143,969-91.0% | $199,883-93.5% | $82,637-84.4% |
| Participation rate | 68.4% | 84.1%-15.7pp | 86.8%-18.3pp | 68.1%+0.4pp |
| Annual return | 20.68% | 25.67%-5.0pp | 43.81%-23.1pp | 53.51%-32.8pp |
| Employer contribution / active EE | $0 | $4,632-100.0% | $6,261-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,561 | $6,937-63.1% | $9,138-72.0% | $4,126-37.9% |
| Admin fee / account holder | $2,282 | $14,597-84.4% | $17,268-86.8% | $7,339-68.9% |