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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 | $9,361 | $97,550-90.4% | $120,344-92.2% | $87,485-89.3% |
| Participation rate | 39.3% | 72.8%-33.5pp | 76.7%-37.4pp | 68.9%-29.6pp |
| Annual return | 16.98% | 18.41%-1.4pp | 20.30%-3.3pp | 26.06%-9.1pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $634 | $4,230-85.0% | $5,135-87.6% | $4,274-85.2% |
| Admin fee / account holder | $486 | $9,543-94.9% | $12,742-96.2% | $7,775-93.7% |