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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 | $11,860 | $114,712-89.7% | $173,730-93.2% | $87,485-86.4% |
| Participation rate | 50.9% | 73.0%-22.1pp | 79.6%-28.7pp | 68.9%-18.0pp |
| Annual return | 15.02% | 20.18%-5.2pp | 19.96%-4.9pp | 26.06%-11.0pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,958 | $4,642-57.8% | $6,326-69.1% | $4,274-54.2% |
| Admin fee / account holder | $1,008 | $10,210-90.1% | $17,523-94.2% | $7,775-87.0% |