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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 | $43,438 | $116,081-62.6% | $156,181-72.2% | $79,634-45.5% |
| Participation rate | 6.1% | 75.6%-69.5pp | 78.8%-72.8pp | 62.5%-56.4pp |
| Annual return | 12.82% | 15.89%-3.1pp | 64.87%-52.1pp | 36.46%-23.6pp |
| Employer contribution / active EE | $0 | $2,828-100.0% | $4,294-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $259 | $4,584-94.4% | $6,132-95.8% | $3,835-93.2% |
| Admin fee / account holder | $5,412 | $854+533.4% | $14,586-62.9% | $1,002+440.1% |