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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 | $17,364 | $80,992-78.6% | $96,534-82.0% | $75,173-76.9% |
| Participation rate | 9.4% | 71.8%-62.4pp | 76.0%-66.5pp | 67.2%-57.8pp |
| Annual return | 18.74% | 27.05%-8.3pp | 25.88%-7.1pp | 160.72%-142.0pp |
| Employer contribution / active EE | $0 | $2,283-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $391 | $3,929-90.1% | $4,851-91.9% | $4,126-90.5% |
| Admin fee / account holder | $438 | $6,717-93.5% | $8,253-94.7% | $5,651-92.2% |