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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 | $18,487 | $71,208-74.0% | $93,681-80.3% | $80,911-77.2% |
| Participation rate | 16.9% | 60.4%-43.5pp | 68.7%-51.9pp | 67.6%-50.8pp |
| Annual return | 11.30% | 11.27%0pp | 133.47%-122.2pp | 35.63%-24.3pp |
| Employer contribution / active EE | $0 | $1,564-100.0% | $2,422-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $830 | $4,035-79.4% | $4,415-81.2% | $4,297-80.7% |
| Admin fee / account holder | $1,612 | $6,951-76.8% | $8,290-80.6% | $6,935-76.8% |