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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 | $10,015 | $91,559-89.1% | $133,971-92.5% | $79,852-87.5% |
| Participation rate | 21.2% | 73.3%-52.1pp | 79.8%-58.6pp | 69.6%-48.4pp |
| Annual return | 18.88% | 61.85%-43.0pp | 45.09%-26.2pp | 31.72%-12.8pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,054 | $3,734-71.8% | $5,047-79.1% | $3,740-71.8% |
| Admin fee / account holder | $434 | $6,321-93.1% | $8,929-95.1% | $5,306-91.8% |