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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 | $15,764 | $98,652-84.0% | $142,942-89.0% | $82,448-80.9% |
| Participation rate | 41.9% | 72.8%-30.9pp | 76.8%-35.0pp | 68.1%-26.2pp |
| Annual return | 14.01% | 22.65%-8.6pp | 113.70%-99.7pp | 41.64%-27.6pp |
| Employer contribution / active EE | $0 | $3,211-100.0% | $4,139-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,063 | $5,580-80.9% | $7,128-85.1% | $4,139-74.3% |
| Admin fee / account holder | $2,525 | $8,078-68.7% | $12,475-79.8% | $7,234-65.1% |