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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 | $3,856 | $49,940-92.3% | $95,740-96.0% | $74,460-94.8% |
| Participation rate | 4.5% | 66.8%-62.3pp | 72.3%-67.7pp | 70.7%-66.2pp |
| Annual return | 19.71% | 24.92%-5.2pp | 28.41%-8.7pp | 34.38%-14.7pp |
| Employer contribution / active EE | $0 | $1,639-100.0% | $2,836-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $121 | $3,753-96.8% | $4,244-97.2% | $4,530-97.3% |
| Admin fee / account holder | $824 | $300+174.7% | $5,676-85.5% | $348+136.8% |