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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 | $34,560 | $142,972-75.8% | $214,702-83.9% | $86,983-60.3% |
| Participation rate | 38.6% | 84.9%-46.2pp | 87.5%-48.8pp | 69.5%-30.9pp |
| Annual return | 18.01% | 18.49%-0.5pp | 54.55%-36.5pp | 25.83%-7.8pp |
| Employer contribution / active EE | $0 | $4,635-100.0% | $6,461-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,631 | $6,568-59.9% | $9,147-71.2% | $4,194-37.3% |
| Admin fee / account holder | $3,498 | $17,617-80.1% | $19,830-82.4% | $7,856-55.5% |