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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 | $8,341 | $42,909-80.6% | $152,093-94.5% | $71,012-88.3% |
| Participation rate | 5.3% | 54.7%-49.3pp | 77.8%-72.4pp | 58.6%-53.2pp |
| Annual return | 22.99% | 30.57%-7.6pp | 66.36%-43.4pp | 37.67%-14.7pp |
| Employer contribution / active EE | $0 | $1,369-100.0% | $4,175-100.0% | $2,348-100.0% |
| Participant deferral / active EE | $197 | $1,904-89.6% | $5,451-96.4% | $3,246-93.9% |
| Admin fee / account holder | $882 | $1,014-13.0% | $14,497-93.9% | $1,167-24.4% |