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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 | $3,850 | $61,391-93.7% | $149,723-97.4% | $71,529-94.6% |
| Participation rate | 13.7% | 62.5%-48.8pp | 78.8%-65.1pp | 67.9%-54.3pp |
| Annual return | 14.68% | 35.88%-21.2pp | 134.50%-119.8pp | 28.97%-14.3pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $4,821-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $268 | $2,921-90.8% | $5,682-95.3% | $4,291-93.8% |
| Admin fee / account holder | $733 | $1,264-42.0% | $13,215-94.5% | $1,588-53.9% |