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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 | $1,342 | $51,184-97.4% | $66,439-98.0% | $86,983-98.5% |
| Participation rate | 56.3% | 68.5%-12.2pp | 74.5%-18.2pp | 69.5%-13.3pp |
| Annual return | 18.14% | 17.07%+1.1pp | 757.66%-739.5pp | 25.83%-7.7pp |
| Employer contribution / active EE | $0 | $2,023-100.0% | $2,637-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $453 | $2,927-84.5% | $3,876-88.3% | $4,194-89.2% |
| Admin fee / account holder | $418 | $4,154-89.9% | $6,173-93.2% | $7,856-94.7% |