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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 | $4,116 | $83,436-95.1% | $83,854-95.1% | $83,436-95.1% |
| Participation rate | 4.2% | 73.2%-68.9pp | 59.1%-54.9pp | 73.2%-68.9pp |
| Annual return | 13.88% | 19.34%-5.5pp | 31.39%-17.5pp | 19.34%-5.5pp |
| Employer contribution / active EE | $0 | $4,072-100.0% | $1,017-100.0% | $4,072-100.0% |
| Participant deferral / active EE | $76 | $3,411-97.8% | $2,035-96.3% | $3,411-97.8% |
| Admin fee / account holder | $798 | $265+200.8% | $3,197-75.0% | $265+200.8% |