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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 | $46,464-82.0% | $150,298-94.5% | $79,634-89.5% |
| Participation rate | 5.3% | 57.0%-51.6pp | 77.8%-72.4pp | 62.5%-57.1pp |
| Annual return | 22.99% | 27.89%-4.9pp | 62.79%-39.8pp | 36.46%-13.5pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $4,154-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $197 | $2,157-90.9% | $5,453-96.4% | $3,835-94.9% |
| Admin fee / account holder | $882 | $891-0.9% | $14,116-93.7% | $1,002-11.9% |