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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 | $6,926 | $49,693-86.1% | $70,544-90.2% | $74,460-90.7% |
| Participation rate | 22.8% | 64.7%-41.9pp | 68.4%-45.6pp | 70.7%-48.0pp |
| Annual return | 17.78% | 21.22%-3.4pp | 32.79%-15.0pp | 34.38%-16.6pp |
| Employer contribution / active EE | $0 | $1,773-100.0% | $2,976-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $558 | $3,376-83.5% | $4,568-87.8% | $4,530-87.7% |
| Admin fee / account holder | $911 | $316+188.5% | $6,427-85.8% | $348+161.9% |