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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 | $3,135 | $114,712-97.3% | $173,730-98.2% | $87,485-96.4% |
| Participation rate | 54.5% | 73.0%-18.4pp | 79.6%-25.0pp | 68.9%-14.4pp |
| Annual return | 16.78% | 20.18%-3.4pp | 19.96%-3.2pp | 26.06%-9.3pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $598 | $4,642-87.1% | $6,326-90.5% | $4,274-86.0% |
| Admin fee / account holder | $425 | $10,210-95.8% | $17,523-97.6% | $7,775-94.5% |