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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 | $8,828 | $99,875-91.2% | $146,866-94.0% | $86,983-89.9% |
| Participation rate | 55.2% | 75.8%-20.6pp | 82.5%-27.3pp | 69.5%-14.4pp |
| Annual return | 14.10% | 28.10%-14.0pp | 102.85%-88.8pp | 25.83%-11.7pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,425-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,801 | $6,322-71.5% | $7,759-76.8% | $4,194-57.1% |
| Admin fee / account holder | $1,959 | $7,838-75.0% | $13,620-85.6% | $7,856-75.1% |