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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 | $2,846 | $72,273-96.1% | $101,275-97.2% | $79,856-96.4% |
| Participation rate | 15.6% | 68.5%-52.9pp | 75.8%-60.3pp | 69.6%-54.1pp |
| Annual return | 0.00% | 22.30%-22.3pp | 46.48%-46.5pp | 31.71%-31.7pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $530 | $3,282-83.9% | $4,371-87.9% | $3,741-85.8% |
| Admin fee / account holder | $1,092 | $4,401-75.2% | $5,948-81.6% | $5,306-79.4% |