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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 | $8,703 | $71,230-87.8% | $93,727-90.7% | $80,959-89.2% |
| Participation rate | 11.4% | 60.4%-49.0pp | 68.7%-57.3pp | 67.7%-56.3pp |
| Annual return | 10.06% | 11.26%-1.2pp | 133.83%-123.8pp | 35.67%-25.6pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,421-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $260 | $4,037-93.6% | $4,417-94.1% | $4,300-94.0% |
| Admin fee / account holder | $546 | $6,961-92.2% | $8,292-93.4% | $6,925-92.1% |