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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 | $6,439 | $80,992-92.1% | $96,534-93.3% | $75,173-91.4% |
| Participation rate | 43.1% | 71.8%-28.7pp | 76.0%-32.8pp | 67.2%-24.1pp |
| Annual return | 14.43% | 27.05%-12.6pp | 25.88%-11.4pp | 160.72%-146.3pp |
| Employer contribution / active EE | $0 | $2,283-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $631 | $3,929-83.9% | $4,851-87.0% | $4,126-84.7% |
| Admin fee / account holder | $486 | $6,717-92.8% | $8,253-94.1% | $5,651-91.4% |