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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 | $1,768 | $81,358-97.8% | $155,556-98.9% | $80,959-97.8% |
| Participation rate | 69.7% | 66.3%+3.4pp | 78.2%-8.5pp | 67.7%+2.0pp |
| Annual return | 11.27% | 33.39%-22.1pp | 64.84%-53.6pp | 35.67%-24.4pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $674 | $3,455-80.5% | $5,631-88.0% | $4,300-84.3% |
| Admin fee / account holder | $686 | $7,994-91.4% | $15,885-95.7% | $6,925-90.1% |