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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 | $7,000 | $106,524-93.4% | $152,301-95.4% | $87,485-92.0% |
| Participation rate | 55.0% | 75.8%-20.8pp | 82.4%-27.4pp | 68.9%-13.9pp |
| Annual return | 18.80% | 26.89%-8.1pp | 80.50%-61.7pp | 26.06%-7.3pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,936 | $6,525-70.3% | $8,004-75.8% | $4,274-54.7% |
| Admin fee / account holder | $966 | $8,287-88.3% | $14,398-93.3% | $7,775-87.6% |