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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 | $29,784 | $86,938-65.7% | $102,423-70.9% | $80,925-63.2% |
| Participation rate | 18.8% | 72.4%-53.6pp | 76.5%-57.8pp | 67.7%-48.9pp |
| Annual return | 11.65% | 18.89%-7.2pp | 29.42%-17.8pp | 35.65%-24.0pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,164 | $4,120-71.8% | $5,054-77.0% | $4,299-72.9% |
| Admin fee / account holder | $5,175 | $8,053-35.7% | $9,455-45.3% | $6,940-25.4% |