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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 | $23,433 | $95,453-75.5% | $112,040-79.1% | $82,448-71.6% |
| Participation rate | 23.5% | 72.8%-49.2pp | 76.5%-53.0pp | 68.1%-44.5pp |
| Annual return | 20.37% | 23.92%-3.5pp | 24.52%-4.1pp | 41.64%-21.3pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,931 | $4,224-54.3% | $5,098-62.1% | $4,139-53.3% |
| Admin fee / account holder | $2,899 | $9,013-67.8% | $12,098-76.0% | $7,234-59.9% |