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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 | $9,224 | $45,126-79.6% | $85,187-89.2% | $74,459-87.6% |
| Participation rate | 28.3% | 49.4%-21.0pp | 67.5%-39.2pp | 67.2%-38.9pp |
| Annual return | 11.40% | 26.30%-14.9pp | 66.67%-55.3pp | 1369.70%-1358.3pp |
| Employer contribution / active EE | $0 | $1,460-100.0% | $2,732-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $406 | $2,738-85.2% | $4,525-91.0% | $4,350-90.7% |
| Admin fee / account holder | $1,062 | $2,212-52.0% | $6,162-82.8% | $1,945-45.4% |