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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 | $10,013 | $81,403-87.7% | $147,027-93.2% | $87,485-88.6% |
| Participation rate | 33.3% | 63.4%-30.1pp | 73.7%-40.4pp | 68.9%-35.6pp |
| Annual return | 19.31% | 16.51%+2.8pp | 20.23%-0.9pp | 26.06%-6.8pp |
| Employer contribution / active EE | $0 | $2,205-100.0% | $3,626-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $903 | $3,315-72.8% | $4,933-81.7% | $4,274-78.9% |
| Admin fee / account holder | $794 | $6,755-88.2% | $12,223-93.5% | $7,775-89.8% |