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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 | $2,539 | $65,027-96.1% | $90,970-97.2% | $79,852-96.8% |
| Participation rate | 63.5% | 61.6%+1.9pp | 69.0%-5.5pp | 69.6%-6.1pp |
| Annual return | 16.01% | 30.45%-14.4pp | 134.58%-118.6pp | 31.72%-15.7pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $500 | $2,512-80.1% | $3,373-85.2% | $3,740-86.6% |
| Admin fee / account holder | $601 | $4,535-86.7% | $5,960-89.9% | $5,306-88.7% |