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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 | $6,828 | $100,970-93.2% | $96,576-92.9% | $137,256-95.0% |
| Participation rate | 58.3% | 82.6%-24.3pp | 81.4%-23.1pp | 80.0%-21.6pp |
| Annual return | 22.43% | 38.16%-15.7pp | 38.47%-16.0pp | 220.34%-197.9pp |
| Employer contribution / active EE | $0 | $3,809-100.0% | $3,553-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $1,975 | $8,286-76.2% | $7,956-75.2% | $6,407-69.2% |
| Admin fee / account holder | $1,180 | $11,312-89.6% | $11,381-89.6% | $12,270-90.4% |