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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 | $4,188 | $51,895-91.9% | $93,063-95.5% | $79,634-94.7% |
| Participation rate | 7.4% | 52.6%-45.2pp | 72.1%-64.7pp | 62.5%-55.1pp |
| Annual return | 15.96% | 18.14%-2.2pp | 34.15%-18.2pp | 36.46%-20.5pp |
| Employer contribution / active EE | $0 | $1,561-100.0% | $2,476-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $164 | $2,964-94.5% | $3,958-95.8% | $3,835-95.7% |
| Admin fee / account holder | $590 | $657-10.2% | $6,033-90.2% | $1,002-41.1% |