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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 | $7,032 | $71,197-90.1% | $93,669-92.5% | $80,925-91.3% |
| Participation rate | 8.3% | 60.4%-52.1pp | 68.7%-60.4pp | 67.7%-59.3pp |
| Annual return | 11.47% | 11.27%+0.2pp | 133.59%-122.1pp | 35.65%-24.2pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,424-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $179 | $4,036-95.6% | $4,416-95.9% | $4,299-95.8% |
| Admin fee / account holder | $1,033 | $6,959-85.2% | $8,291-87.5% | $6,940-85.1% |