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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 | $6,894 | $136,860-95.0% | $120,344-94.3% | $154,746-95.5% |
| Participation rate | 58.8% | 79.9%-21.1pp | 76.7%-17.9pp | 80.7%-21.9pp |
| Annual return | 24.69% | 21.38%+3.3pp | 20.30%+4.4pp | 172.34%-147.6pp |
| Employer contribution / active EE | $0 | $3,533-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,696 | $5,793-70.7% | $5,135-67.0% | $6,730-74.8% |
| Admin fee / account holder | $1,044 | $15,393-93.2% | $12,742-91.8% | $14,365-92.7% |