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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 | $8,912 | $52,279-83.0% | $89,400-90.0% | $79,858-88.8% |
| Participation rate | 19.2% | 57.5%-38.3pp | 68.0%-48.8pp | 69.6%-50.4pp |
| Annual return | 23.28% | 22.16%+1.1pp | 245.64%-222.4pp | 31.72%-8.4pp |
| Employer contribution / active EE | $0 | $1,572-100.0% | $2,586-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $618 | $2,740-77.5% | $3,890-84.1% | $3,740-83.5% |
| Admin fee / account holder | $367 | $3,356-89.1% | $4,882-92.5% | $5,306-93.1% |