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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 | $7,513 | $46,596-83.9% | $64,099-88.3% | $75,181-90.0% |
| Participation rate | 6.6% | 65.9%-59.3pp | 72.3%-65.7pp | 67.2%-60.6pp |
| Annual return | 18.93% | 26.04%-7.1pp | 33.70%-14.8pp | 160.69%-141.8pp |
| Employer contribution / active EE | $0 | $1,975-100.0% | $2,748-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $146 | $2,837-94.9% | $3,881-96.2% | $4,126-96.5% |
| Admin fee / account holder | $992 | $2,954-66.4% | $3,070-67.7% | $5,650-82.4% |