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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 | $7,932 | $39,243-79.8% | $80,784-90.2% | $79,389-90.0% |
| Participation rate | 3.9% | 41.0%-37.1pp | 54.2%-50.2pp | 70.7%-66.8pp |
| Annual return | 14.03% | 98.95%-84.9pp | 87.31%-73.3pp | 116.89%-102.9pp |
| Employer contribution / active EE | $0 | $593-100.0% | $1,160-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $137 | $1,262-89.1% | $2,145-93.6% | $4,046-96.6% |
| Admin fee / account holder | $1,826 | $647+182.5% | $3,380-46.0% | $626+191.6% |