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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 | $13,405 | $93,598-85.7% | $135,974-90.1% | $75,173-82.2% |
| Participation rate | 46.5% | 75.2%-28.7pp | 81.9%-35.4pp | 67.2%-20.7pp |
| Annual return | 22.40% | 30.89%-8.5pp | 68.30%-45.9pp | 160.72%-138.3pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,675 | $6,405-73.9% | $7,760-78.4% | $4,126-59.4% |
| Admin fee / account holder | $1,288 | $6,978-81.5% | $10,767-88.0% | $5,651-77.2% |