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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 | $3,658 | $56,063-93.5% | $76,051-95.2% | $80,911-95.5% |
| Participation rate | 32.6% | 62.0%-29.5pp | 69.1%-36.5pp | 67.6%-35.1pp |
| Annual return | 10.50% | 20.54%-10.0pp | 360.42%-349.9pp | 35.63%-25.1pp |
| Employer contribution / active EE | $0 | $1,874-100.0% | $2,690-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $434 | $3,052-85.8% | $4,257-89.8% | $4,297-89.9% |
| Admin fee / account holder | $339 | $5,240-93.5% | $6,416-94.7% | $6,935-95.1% |