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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 | $4,400 | $51,207-91.4% | $70,565-93.8% | $71,529-93.8% |
| Participation rate | 7.2% | 59.4%-52.2pp | 68.4%-61.1pp | 67.9%-60.7pp |
| Annual return | 33.06% | 42.71%-9.7pp | 32.79%+0.3pp | 28.97%+4.1pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $2,976-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $312 | $3,033-89.7% | $4,568-93.2% | $4,291-92.7% |
| Admin fee / account holder | $387 | $2,002-80.6% | $6,430-94.0% | $1,588-75.6% |