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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 | $1,793 | $93,598-98.1% | $135,974-98.7% | $75,173-97.6% |
| Participation rate | 68.3% | 75.2%-6.9pp | 81.9%-13.6pp | 67.2%+1.1pp |
| Annual return | 18.12% | 30.89%-12.8pp | 68.30%-50.2pp | 160.72%-142.6pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,012 | $6,405-84.2% | $7,760-87.0% | $4,126-75.5% |
| Admin fee / account holder | $557 | $6,978-92.0% | $10,767-94.8% | $5,651-90.1% |