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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 | $8,879 | $74,535-88.1% | $100,712-91.2% | $82,637-89.3% |
| Participation rate | 10.4% | 61.2%-50.8pp | 69.3%-58.9pp | 68.1%-57.6pp |
| Annual return | 16.01% | 18.92%-2.9pp | 33.27%-17.3pp | 53.51%-37.5pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $144 | $3,074-95.3% | $4,085-96.5% | $4,126-96.5% |
| Admin fee / account holder | $699 | $6,576-89.4% | $9,256-92.4% | $7,339-90.5% |