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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 | $10,712 | $60,165-82.2% | $74,184-85.6% | $55,167-80.6% |
| Participation rate | 7.5% | 74.2%-66.7pp | 76.6%-69.1pp | 69.0%-61.5pp |
| Annual return | 5.68% | 10.00%-4.3pp | 17.74%-12.1pp | 169.23%-163.6pp |
| Employer contribution / active EE | $0 | $1,600-100.0% | $2,370-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $368 | $2,973-87.6% | $3,550-89.6% | $3,054-88.0% |
| Admin fee / account holder | $594 | $419+41.7% | $5,586-89.4% | $504+17.9% |