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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 | $10,508 | $106,864-90.2% | $147,318-92.9% | $82,637-87.3% |
| Participation rate | 19.1% | 75.5%-56.4pp | 82.1%-62.9pp | 68.1%-48.9pp |
| Annual return | 22.27% | 27.49%-5.2pp | 70.43%-48.2pp | 53.51%-31.2pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,007 | $6,496-84.5% | $7,906-87.3% | $4,126-75.6% |
| Admin fee / account holder | $2,680 | $8,415-68.1% | $13,708-80.4% | $7,339-63.5% |