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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 | $2,265 | $36,002-93.7% | $161,489-98.6% | $64,728-96.5% |
| Participation rate | 12.7% | 57.4%-44.7pp | 78.7%-66.0pp | 57.9%-45.2pp |
| Annual return | 21.37% | 33.93%-12.6pp | 89.72%-68.3pp | 49.38%-28.0pp |
| Employer contribution / active EE | $0 | $1,380-100.0% | $4,268-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $151 | $1,815-91.7% | $5,630-97.3% | $2,729-94.5% |
| Admin fee / account holder | $812 | $931-12.8% | $16,006-94.9% | $1,145-29.1% |