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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 | $13,350 | $59,839-77.7% | $81,991-83.7% | $79,852-83.3% |
| Participation rate | 56.5% | 61.6%-5.1pp | 69.3%-12.7pp | 69.6%-13.1pp |
| Annual return | 25.38% | 17.56%+7.8pp | 41.31%-15.9pp | 31.72%-6.3pp |
| Employer contribution / active EE | $0 | $1,713-100.0% | $2,498-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $914 | $2,695-66.1% | $3,722-75.4% | $3,740-75.6% |
| Admin fee / account holder | $819 | $4,287-80.9% | $5,665-85.5% | $5,306-84.6% |