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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 | $4,701 | $61,356-92.3% | $149,696-96.9% | $71,511-93.4% |
| Participation rate | 11.1% | 62.5%-51.4pp | 78.8%-67.7pp | 67.9%-56.8pp |
| Annual return | 21.32% | 35.86%-14.5pp | 134.46%-113.1pp | 28.86%-7.5pp |
| Employer contribution / active EE | $0 | $2,382-100.0% | $4,821-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $403 | $2,920-86.2% | $5,682-92.9% | $4,291-90.6% |
| Admin fee / account holder | $648 | $1,263-48.7% | $13,212-95.1% | $1,588-59.2% |