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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 | $14,934 | $72,471-79.4% | $94,215-84.1% | $86,983-82.8% |
| Participation rate | 19.4% | 63.9%-44.5pp | 70.0%-50.6pp | 69.5%-50.2pp |
| Annual return | 14.16% | 26.44%-12.3pp | 28.22%-14.1pp | 25.83%-11.7pp |
| Employer contribution / active EE | $0 | $1,936-100.0% | $2,675-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $569 | $3,397-83.2% | $4,276-86.7% | $4,194-86.4% |
| Admin fee / account holder | $2,428 | $6,468-62.5% | $10,216-76.2% | $7,856-69.1% |