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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 | $15,232 | $114,712-86.7% | $173,730-91.2% | $87,485-82.6% |
| Participation rate | 18.0% | 73.0%-55.0pp | 79.6%-61.6pp | 68.9%-50.9pp |
| Annual return | 18.05% | 20.18%-2.1pp | 19.96%-1.9pp | 26.06%-8.0pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $719 | $4,642-84.5% | $6,326-88.6% | $4,274-83.2% |
| Admin fee / account holder | $731 | $10,210-92.8% | $17,523-95.8% | $7,775-90.6% |