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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 | $39,027 | $122,258-68.1% | $199,883-80.5% | $64,097-39.1% |
| Participation rate | 23.6% | 79.0%-55.4pp | 86.8%-63.1pp | 55.2%-31.6pp |
| Annual return | 17.04% | 24.91%-7.9pp | 43.81%-26.8pp | 34.64%-17.6pp |
| Employer contribution / active EE | $0 | $4,242-100.0% | $6,261-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,742 | $6,258-72.2% | $9,138-80.9% | $3,080-43.4% |
| Admin fee / account holder | $2,143 | $3,882-44.8% | $17,268-87.6% | $3,454-38.0% |