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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 | $9,031 | $50,554-82.1% | $67,681-86.7% | $87,485-89.7% |
| Participation rate | 13.8% | 67.7%-53.9pp | 73.7%-59.9pp | 68.9%-55.1pp |
| Annual return | 26.44% | 17.81%+8.6pp | 590.58%-564.1pp | 26.06%+0.4pp |
| Employer contribution / active EE | $0 | $1,988-100.0% | $2,678-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $440 | $2,961-85.1% | $3,976-88.9% | $4,274-89.7% |
| Admin fee / account holder | $302 | $4,132-92.7% | $6,100-95.1% | $7,775-96.1% |