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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 | $5,697 | $101,752-94.4% | $164,928-96.5% | $80,911-93.0% |
| Participation rate | 18.6% | 71.8%-53.2pp | 78.6%-60.0pp | 67.6%-49.0pp |
| Annual return | 19.17% | 16.73%+2.4pp | 70.08%-50.9pp | 35.63%-16.5pp |
| Employer contribution / active EE | $0 | $2,953-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,430 | $4,477-68.1% | $6,034-76.3% | $4,297-66.7% |
| Admin fee / account holder | $3,118 | $8,218-62.1% | $12,684-75.4% | $6,935-55.0% |