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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 | $4,491 | $50,860-91.2% | $155,574-97.1% | $77,714-94.2% |
| Participation rate | 21.7% | 63.1%-41.4pp | 78.2%-56.5pp | 70.6%-48.9pp |
| Annual return | 14.67% | 34.86%-20.2pp | 64.87%-50.2pp | 31.26%-16.6pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,676-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $281 | $2,825-90.0% | $5,629-95.0% | $4,649-94.0% |
| Admin fee / account holder | $456 | $436+4.4% | $15,914-97.1% | $433+5.2% |