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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 | $6,831 | $77,569-91.2% | $115,599-94.1% | $64,097-89.3% |
| Participation rate | 48.8% | 60.7%-11.8pp | 74.3%-25.5pp | 55.2%-6.4pp |
| Annual return | 20.33% | 18.52%+1.8pp | 111.10%-90.8pp | 34.64%-14.3pp |
| Employer contribution / active EE | $0 | $1,915-100.0% | $2,955-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $807 | $3,327-75.7% | $4,889-83.5% | $3,080-73.8% |
| Admin fee / account holder | $732 | $4,470-83.6% | $12,841-94.3% | $3,454-78.8% |