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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 | $18,798 | $68,852-72.7% | $120,524-84.4% | $80,925-76.8% |
| Participation rate | 6.1% | 61.6%-55.5pp | 71.9%-65.8pp | 67.7%-61.5pp |
| Annual return | 11.10% | 23.67%-12.6pp | 107.36%-96.3pp | 35.65%-24.6pp |
| Employer contribution / active EE | $0 | $2,063-100.0% | $3,469-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $623 | $3,187-80.5% | $4,994-87.5% | $4,299-85.5% |
| Admin fee / account holder | $3,210 | $5,781-44.5% | $9,440-66.0% | $6,940-53.7% |