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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 | $10,359 | $84,236-87.7% | $170,439-93.9% | $70,124-85.2% |
| Participation rate | 16.5% | 70.8%-54.4pp | 83.6%-67.1pp | 69.5%-53.1pp |
| Annual return | 14.50% | 23.06%-8.6pp | 205.94%-191.4pp | 73.14%-58.6pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,433-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $490 | $3,086-84.1% | $4,939-90.1% | $3,332-85.3% |
| Admin fee / account holder | $483 | $5,698-91.5% | $13,881-96.5% | $4,645-89.6% |