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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 | $15,070 | $64,359-76.6% | $90,161-83.3% | $70,126-78.5% |
| Participation rate | 13.2% | 70.4%-57.3pp | 76.9%-63.7pp | 69.5%-56.4pp |
| Annual return | 15.43% | 28.13%-12.7pp | 34.89%-19.5pp | 73.15%-57.7pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $299 | $4,389-93.2% | $5,287-94.3% | $3,332-91.0% |
| Admin fee / account holder | $337 | $3,945-91.5% | $5,943-94.3% | $4,645-92.7% |