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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 | $37,857 | $122,258-69.0% | $199,883-81.1% | $64,097-40.9% |
| Participation rate | 38.0% | 79.0%-41.0pp | 86.8%-48.8pp | 55.2%-17.2pp |
| Annual return | 15.54% | 24.91%-9.4pp | 43.81%-28.3pp | 34.64%-19.1pp |
| Employer contribution / active EE | $0 | $4,242-100.0% | $6,261-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,866 | $6,258-54.2% | $9,138-68.6% | $3,080-7.0% |
| Admin fee / account holder | $6,819 | $3,882+75.7% | $17,268-60.5% | $3,454+97.4% |