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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 | $7,708 | $52,580-85.3% | $71,671-89.2% | $70,126-89.0% |
| Participation rate | 49.2% | 60.9%-11.7pp | 68.7%-19.6pp | 69.5%-20.4pp |
| Annual return | 18.57% | 20.25%-1.7pp | 20.65%-2.1pp | 73.15%-54.6pp |
| Employer contribution / active EE | $0 | $1,616-100.0% | $2,460-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $529 | $2,386-77.8% | $3,438-84.6% | $3,332-84.1% |
| Admin fee / account holder | $648 | $3,653-82.3% | $5,558-88.3% | $4,645-86.1% |