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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 | $11,351 | $50,972-77.7% | $88,538-87.2% | $72,983-84.4% |
| Participation rate | 26.8% | 63.4%-36.6pp | 68.7%-41.9pp | 69.5%-42.7pp |
| Annual return | 21.49% | 29.62%-8.1pp | 43.64%-22.1pp | 81.01%-59.5pp |
| Employer contribution / active EE | $0 | $1,475-100.0% | $2,098-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $539 | $2,230-75.8% | $2,914-81.5% | $3,608-85.1% |
| Admin fee / account holder | $830 | $3,230-74.3% | $4,310-80.8% | $5,124-83.8% |