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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 | $3,638 | $59,093-93.8% | $97,295-96.3% | $77,762-95.3% |
| Participation rate | 5.3% | 67.8%-62.5pp | 72.7%-67.4pp | 70.6%-65.3pp |
| Annual return | 15.79% | 16.93%-1.1pp | 75.62%-59.8pp | 31.27%-15.5pp |
| Employer contribution / active EE | $0 | $1,727-100.0% | $2,723-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $103 | $3,901-97.4% | $4,264-97.6% | $4,651-97.8% |
| Admin fee / account holder | $884 | $346+155.3% | $5,646-84.3% | $433+104.1% |