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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 | $8,364 | $45,343-81.6% | $150,298-94.4% | $67,986-87.7% |
| Participation rate | 9.3% | 51.9%-42.6pp | 77.8%-68.5pp | 57.2%-47.9pp |
| Annual return | 17.99% | 33.28%-15.3pp | 62.79%-44.8pp | 31.67%-13.7pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $237 | $2,055-88.5% | $5,453-95.7% | $3,358-93.0% |
| Admin fee / account holder | $1,342 | $2,250-40.3% | $14,116-90.5% | $3,203-58.1% |