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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 | $1,445 | $48,327-97.0% | $67,575-97.9% | $80,935-98.2% |
| Participation rate | 27.1% | 66.4%-39.3pp | 72.9%-45.8pp | 67.7%-40.6pp |
| Annual return | 19.24% | 18.31%+0.9pp | 3528.98%-3509.7pp | 35.66%-16.4pp |
| Employer contribution / active EE | $0 | $2,022-100.0% | $2,736-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $281 | $2,927-90.4% | $4,003-93.0% | $4,299-93.5% |
| Admin fee / account holder | $404 | $3,692-89.0% | $3,993-89.9% | $6,924-94.2% |