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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 | $16,463 | $76,642-78.5% | $146,866-88.8% | $65,306-74.8% |
| Participation rate | 31.7% | 61.2%-29.5pp | 82.5%-50.8pp | 57.7%-26.0pp |
| Annual return | 17.55% | 33.40%-15.9pp | 102.85%-85.3pp | 21.94%-4.4pp |
| Employer contribution / active EE | $0 | $2,621-100.0% | $4,425-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $1,104 | $4,864-77.3% | $7,759-85.8% | $2,959-62.7% |
| Admin fee / account holder | $1,084 | $3,960-72.6% | $13,620-92.0% | $3,480-68.8% |