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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 | $7,638 | $48,327-84.2% | $67,575-88.7% | $80,935-90.6% |
| Participation rate | 26.1% | 66.4%-40.3pp | 72.9%-46.8pp | 67.7%-41.6pp |
| Annual return | 11.90% | 18.31%-6.4pp | 3528.98%-3517.1pp | 35.66%-23.8pp |
| Employer contribution / active EE | $0 | $2,022-100.0% | $2,736-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $242 | $2,927-91.7% | $4,003-93.9% | $4,299-94.4% |
| Admin fee / account holder | $569 | $3,692-84.6% | $3,993-85.8% | $6,924-91.8% |