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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 | $11,938 | $65,582-81.8% | $64,101-81.4% | $71,511-83.3% |
| Participation rate | 30.0% | 73.2%-43.2pp | 72.3%-42.3pp | 67.9%-37.9pp |
| Annual return | 14.17% | 18.96%-4.8pp | 33.72%-19.5pp | 28.86%-14.7pp |
| Employer contribution / active EE | $0 | $2,671-100.0% | $2,749-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $909 | $3,628-74.9% | $3,881-76.6% | $4,291-78.8% |
| Admin fee / account holder | $990 | $616+60.7% | $3,070-67.7% | $1,588-37.6% |