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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 | $6,896 | $44,746-84.6% | $88,179-92.2% | $64,097-89.2% |
| Participation rate | 9.9% | 39.8%-29.9pp | 69.1%-59.2pp | 55.2%-45.3pp |
| Annual return | 16.97% | 24.70%-7.7pp | 64.97%-48.0pp | 34.64%-17.7pp |
| Employer contribution / active EE | $0 | $1,078-100.0% | $2,549-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $274 | $2,072-86.8% | $4,614-94.1% | $3,080-91.1% |
| Admin fee / account holder | $495 | $3,437-85.6% | $7,673-93.6% | $3,454-85.7% |