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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 | $9,597 | $79,867-88.0% | $120,344-92.0% | $64,340-85.1% |
| Participation rate | 13.4% | 63.0%-49.5pp | 76.7%-63.3pp | 55.2%-41.8pp |
| Annual return | 21.53% | 21.10%+0.4pp | 20.30%+1.2pp | 24.14%-2.6pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,020-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $628 | $3,593-82.5% | $5,135-87.8% | $2,980-78.9% |
| Admin fee / account holder | $1,531 | $5,039-69.6% | $12,742-88.0% | $3,703-58.7% |