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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 | $16,909 | $101,795-83.4% | $165,100-89.8% | $80,959-79.1% |
| Participation rate | 11.1% | 71.8%-60.7pp | 78.6%-67.5pp | 67.7%-56.6pp |
| Annual return | 23.09% | 16.73%+6.4pp | 70.21%-47.1pp | 35.67%-12.6pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $954 | $4,476-78.7% | $6,035-84.2% | $4,300-77.8% |
| Admin fee / account holder | $7,092 | $8,221-13.7% | $12,696-44.1% | $6,925+2.4% |