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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 | $12,005 | $84,953-85.9% | $163,379-92.7% | $82,637-85.5% |
| Participation rate | 17.2% | 65.9%-48.7pp | 76.8%-59.6pp | 68.1%-50.8pp |
| Annual return | 19.91% | 23.07%-3.2pp | 63.41%-43.5pp | 53.51%-33.6pp |
| Employer contribution / active EE | $0 | $2,183-100.0% | $3,752-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $732 | $4,326-83.1% | $6,282-88.4% | $4,126-82.3% |
| Admin fee / account holder | $2,256 | $7,921-71.5% | $9,818-77.0% | $7,339-69.3% |