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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 | $15,019 | $91,120-83.5% | $161,149-90.7% | $64,097-76.6% |
| Participation rate | 4.6% | 62.2%-57.6pp | 78.8%-74.2pp | 55.2%-50.6pp |
| Annual return | 16.01% | 17.95%-1.9pp | 21.16%-5.1pp | 34.64%-18.6pp |
| Employer contribution / active EE | $0 | $2,284-100.0% | $4,360-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $164 | $3,708-95.6% | $6,153-97.3% | $3,080-94.7% |
| Admin fee / account holder | $1,249 | $4,535-72.5% | $15,194-91.8% | $3,454-63.8% |