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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 | $12,405 | $65,246-81.0% | $98,716-87.4% | $67,986-81.8% |
| Participation rate | 12.4% | 51.4%-39.1pp | 69.3%-56.9pp | 57.2%-44.8pp |
| Annual return | 37.51% | 20.58%+16.9pp | 31.81%+5.7pp | 31.67%+5.8pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $2,279-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $433 | $2,594-83.3% | $4,048-89.3% | $3,358-87.1% |
| Admin fee / account holder | $3,866 | $4,561-15.2% | $8,703-55.6% | $3,203+20.7% |