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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 | $3,038 | $48,011-93.7% | $63,803-95.2% | $82,637-96.3% |
| Participation rate | 41.9% | 66.6%-24.6pp | 72.7%-30.8pp | 68.1%-26.1pp |
| Annual return | 16.85% | 19.84%-3.0pp | 543.72%-526.9pp | 53.51%-36.7pp |
| Employer contribution / active EE | $0 | $1,904-100.0% | $2,532-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $548 | $2,846-80.8% | $3,843-85.7% | $4,126-86.7% |
| Admin fee / account holder | $972 | $3,873-74.9% | $5,196-81.3% | $7,339-86.8% |