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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 | $5,785 | $49,138-88.2% | $84,021-93.1% | $65,185-91.1% |
| Participation rate | 15.1% | 60.7%-45.7pp | 69.0%-53.9pp | 70.2%-55.1pp |
| Annual return | 19.08% | 23.00%-3.9pp | 71.32%-52.2pp | 29.38%-10.3pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $780 | $2,397-67.5% | $3,239-75.9% | $3,514-77.8% |
| Admin fee / account holder | $952 | $543+75.3% | $6,102-84.4% | $847+12.4% |