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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 | $6,316 | $83,485-92.4% | $125,195-95.0% | $72,976-91.3% |
| Participation rate | 51.2% | 73.3%-22.1pp | 79.8%-28.6pp | 69.5%-18.3pp |
| Annual return | 19.69% | 25.77%-6.1pp | 43.79%-24.1pp | 81.02%-61.3pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,335 | $3,586-62.8% | $4,937-73.0% | $3,608-63.0% |
| Admin fee / account holder | $1,487 | $5,518-73.1% | $9,704-84.7% | $5,124-71.0% |