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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 | $8,868 | $52,306-83.0% | $69,779-87.3% | $62,881-85.9% |
| Participation rate | 13.4% | 67.2%-53.8pp | 71.8%-58.4pp | 69.3%-55.9pp |
| Annual return | 21.43% | 13.35%+8.1pp | 12.99%+8.4pp | 20.14%+1.3pp |
| Employer contribution / active EE | $0 | $1,799-100.0% | $2,338-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $733 | $2,395-69.4% | $2,931-75.0% | $3,203-77.1% |
| Admin fee / account holder | $931 | $3,691-74.8% | $4,381-78.7% | $4,296-78.3% |