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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 | $26,816 | $79,867-66.4% | $120,344-77.7% | $64,340-58.3% |
| Participation rate | 21.3% | 63.0%-41.7pp | 76.7%-55.4pp | 55.2%-34.0pp |
| Annual return | 12.30% | 21.10%-8.8pp | 20.30%-8.0pp | 24.14%-11.8pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,020-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,525 | $3,593-57.6% | $5,135-70.3% | $2,980-48.8% |
| Admin fee / account holder | $4,396 | $5,039-12.8% | $12,742-65.5% | $3,703+18.7% |