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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 | $9,557 | $62,686-84.8% | $178,540-94.6% | $77,736-87.7% |
| Participation rate | 1.2% | 66.9%-65.7pp | 77.1%-75.9pp | 70.6%-69.4pp |
| Annual return | 16.61% | 16.16%+0.5pp | 27.15%-10.5pp | 31.26%-14.6pp |
| Employer contribution / active EE | $0 | $1,914-100.0% | $3,953-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $86 | $4,224-98.0% | $6,281-98.6% | $4,651-98.2% |
| Admin fee / account holder | $779 | $386+101.8% | $10,424-92.5% | $433+79.8% |