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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 | $20,391 | $79,557-74.4% | $118,746-82.8% | $70,126-70.9% |
| Participation rate | 48.9% | 71.4%-22.4pp | 78.3%-29.3pp | 69.5%-20.6pp |
| Annual return | 16.65% | 25.64%-9.0pp | 24.54%-7.9pp | 73.15%-56.5pp |
| Employer contribution / active EE | $0 | $2,861-100.0% | $4,193-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $912 | $4,089-77.7% | $5,332-82.9% | $3,332-72.6% |
| Admin fee / account holder | $996 | $5,374-81.5% | $10,720-90.7% | $4,645-78.6% |