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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 | $12,817 | $110,137-88.4% | $161,149-92.0% | $82,637-84.5% |
| Participation rate | 21.4% | 72.4%-50.9pp | 78.8%-57.4pp | 68.1%-46.6pp |
| Annual return | 16.61% | 20.69%-4.1pp | 21.16%-4.5pp | 53.51%-36.9pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $858 | $4,575-81.2% | $6,153-86.1% | $4,126-79.2% |
| Admin fee / account holder | $771 | $9,467-91.9% | $15,194-94.9% | $7,339-89.5% |