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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 | $23,041 | $136,860-83.2% | $120,344-80.9% | $154,746-85.1% |
| Participation rate | 34.8% | 79.9%-45.1pp | 76.7%-41.9pp | 80.7%-45.9pp |
| Annual return | 30.77% | 21.38%+9.4pp | 20.30%+10.5pp | 172.34%-141.6pp |
| Employer contribution / active EE | $0 | $3,533-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,345 | $5,793-76.8% | $5,135-73.8% | $6,730-80.0% |
| Admin fee / account holder | $584 | $15,393-96.2% | $12,742-95.4% | $14,365-95.9% |