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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 | $3,255 | $79,894-95.9% | $135,792-97.6% | $82,637-96.1% |
| Participation rate | 48.6% | 63.0%-14.4pp | 72.6%-24.0pp | 68.1%-19.5pp |
| Annual return | 25.43% | 17.20%+8.2pp | 25.96%-0.5pp | 53.51%-28.1pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,496-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $700 | $3,194-78.1% | $4,759-85.3% | $4,126-83.0% |
| Admin fee / account holder | $608 | $6,434-90.5% | $12,266-95.0% | $7,339-91.7% |