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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 | $4,416 | $83,485-94.7% | $125,180-96.5% | $72,983-93.9% |
| Participation rate | 22.0% | 73.3%-51.3pp | 79.8%-57.8pp | 69.5%-47.5pp |
| Annual return | 24.43% | 25.78%-1.4pp | 43.79%-19.4pp | 81.01%-56.6pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $467 | $3,586-87.0% | $4,937-90.5% | $3,608-87.0% |
| Admin fee / account holder | $623 | $5,518-88.7% | $9,703-93.6% | $5,124-87.8% |