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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 | $13,690 | $95,453-85.7% | $112,040-87.8% | $82,448-83.4% |
| Participation rate | 47.7% | 72.8%-25.1pp | 76.5%-28.8pp | 68.1%-20.4pp |
| Annual return | 12.46% | 23.92%-11.5pp | 24.52%-12.1pp | 41.64%-29.2pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $254 | $4,224-94.0% | $5,098-95.0% | $4,139-93.9% |
| Admin fee / account holder | $1,401 | $9,013-84.5% | $12,098-88.4% | $7,234-80.6% |