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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 | $13,190 | $80,731-83.7% | $103,378-87.2% | $74,400-82.3% |
| Participation rate | 8.9% | 65.7%-56.8pp | 74.5%-65.6pp | 67.2%-58.3pp |
| Annual return | 11.30% | 27.56%-16.3pp | 24.91%-13.6pp | 1367.51%-1356.2pp |
| Employer contribution / active EE | $0 | $3,159-100.0% | $3,870-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $504 | $3,862-86.9% | $5,058-90.0% | $4,348-88.4% |
| Admin fee / account holder | $1,577 | $2,369-33.4% | $8,401-81.2% | $1,944-18.8% |