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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 | $3,871 | $63,904-93.9% | $89,340-95.7% | $67,986-94.3% |
| Participation rate | 25.2% | 54.3%-29.2pp | 69.6%-44.4pp | 57.2%-32.0pp |
| Annual return | 21.61% | 18.09%+3.5pp | 20.57%+1.0pp | 31.67%-10.1pp |
| Employer contribution / active EE | $0 | $1,627-100.0% | $2,231-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $301 | $2,691-88.8% | $3,823-92.1% | $3,358-91.0% |
| Admin fee / account holder | $320 | $3,315-90.4% | $6,704-95.2% | $3,203-90.0% |