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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 | $17,640 | $81,504-78.4% | $102,437-82.8% | $80,959-78.2% |
| Participation rate | 25.7% | 66.9%-41.1pp | 74.5%-48.8pp | 67.7%-42.0pp |
| Annual return | 15.71% | 25.60%-9.9pp | 24.95%-9.2pp | 35.67%-20.0pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,112 | $3,871-71.3% | $5,060-78.0% | $4,300-74.1% |
| Admin fee / account holder | $1,127 | $6,719-83.2% | $8,388-86.6% | $6,925-83.7% |