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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 | $36,943-88.9% | $52,425-92.1% | $103,975-96.0% |
| Participation rate | 4.2% | 27.5%-23.3pp | 55.6%-51.4pp | 72.5%-68.3pp |
| Annual return | 13.88% | 17.59%-3.7pp | 302.12%-288.2pp | 19.41%-5.5pp |
| Employer contribution / active EE | $0 | $884-100.0% | $914-100.0% | $3,722-100.0% |
| Participant deferral / active EE | $76 | $1,347-94.4% | $1,790-95.8% | $5,343-98.6% |
| Admin fee / account holder | $798 | $508+57.1% | $2,495-68.0% | $332+140.1% |