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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 | $6,791 | $58,057-88.3% | $97,032-93.0% | $86,983-92.2% |
| Participation rate | 18.2% | 60.4%-42.2pp | 71.6%-53.4pp | 69.5%-51.4pp |
| Annual return | 18.70% | 22.26%-3.6pp | 35.38%-16.7pp | 25.83%-7.1pp |
| Employer contribution / active EE | $0 | $1,663-100.0% | $2,629-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $415 | $3,244-87.2% | $4,672-91.1% | $4,194-90.1% |
| Admin fee / account holder | $797 | $4,839-83.5% | $9,418-91.5% | $7,856-89.9% |