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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 | $7,545 | $49,763-84.8% | $70,565-89.3% | $74,473-89.9% |
| Participation rate | 12.7% | 64.6%-52.0pp | 68.4%-55.7pp | 70.7%-58.1pp |
| Annual return | 16.88% | 21.21%-4.3pp | 32.79%-15.9pp | 34.36%-17.5pp |
| Employer contribution / active EE | $0 | $1,776-100.0% | $2,976-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $494 | $3,379-85.4% | $4,568-89.2% | $4,530-89.1% |
| Admin fee / account holder | $923 | $316+191.8% | $6,430-85.7% | $347+165.8% |