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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 | $17,064 | $126,661-86.5% | $113,397-85.0% | $138,895-87.7% |
| Participation rate | 30.0% | 79.4%-49.4pp | 76.5%-46.5pp | 79.9%-49.9pp |
| Annual return | 16.95% | 25.05%-8.1pp | 23.20%-6.3pp | 145.39%-128.4pp |
| Employer contribution / active EE | $0 | $3,456-100.0% | $2,977-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $712 | $5,693-87.5% | $5,076-86.0% | $6,396-88.9% |
| Admin fee / account holder | $431 | $14,549-97.0% | $11,957-96.4% | $12,562-96.6% |