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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 | $9,731 | $61,391-84.1% | $149,723-93.5% | $71,529-86.4% |
| Participation rate | 4.3% | 62.5%-58.2pp | 78.8%-74.4pp | 67.9%-63.6pp |
| Annual return | 16.00% | 35.88%-19.9pp | 134.50%-118.5pp | 28.97%-13.0pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $4,821-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $135 | $2,921-95.4% | $5,682-97.6% | $4,291-96.9% |
| Admin fee / account holder | $833 | $1,264-34.1% | $13,215-93.7% | $1,588-47.6% |