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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 | $13,735 | $114,712-88.0% | $173,730-92.1% | $87,485-84.3% |
| Participation rate | 22.0% | 73.0%-51.0pp | 79.6%-57.6pp | 68.9%-47.0pp |
| Annual return | 21.12% | 20.18%+0.9pp | 19.96%+1.2pp | 26.06%-4.9pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $981 | $4,642-78.9% | $6,326-84.5% | $4,274-77.1% |
| Admin fee / account holder | $1,251 | $10,210-87.7% | $17,523-92.9% | $7,775-83.9% |