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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 | $5,963 | $39,286-84.8% | $80,741-92.6% | $79,393-92.5% |
| Participation rate | 5.1% | 41.0%-35.9pp | 54.2%-49.1pp | 70.7%-65.6pp |
| Annual return | 16.03% | 98.95%-82.9pp | 87.30%-71.3pp | 116.87%-100.8pp |
| Employer contribution / active EE | $0 | $594-100.0% | $1,160-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $175 | $1,264-86.2% | $2,145-91.8% | $4,046-95.7% |
| Admin fee / account holder | $330 | $647-48.9% | $3,380-90.2% | $627-47.3% |