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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 | $12,600 | $46,464-72.9% | $150,298-91.6% | $79,634-84.2% |
| Participation rate | 8.8% | 57.0%-48.1pp | 77.8%-69.0pp | 62.5%-53.7pp |
| Annual return | 12.26% | 27.89%-15.6pp | 62.79%-50.5pp | 36.46%-24.2pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $4,154-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $240 | $2,157-88.9% | $5,453-95.6% | $3,835-93.8% |
| Admin fee / account holder | $2,147 | $891+141.0% | $14,116-84.8% | $1,002+114.3% |