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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 | $6,705 | $38,595-82.6% | $80,004-91.6% | $52,331-87.2% |
| Participation rate | 8.6% | 64.5%-56.0pp | 73.0%-64.5pp | 68.1%-59.6pp |
| Annual return | -1.13% | 2.04%-3.2pp | 7.63%-8.8pp | 4.54%-5.7pp |
| Employer contribution / active EE | $0 | $1,133-100.0% | $2,473-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $535 | $2,318-76.9% | $3,204-83.3% | $3,022-82.3% |
| Admin fee / account holder | $1,045 | $304+243.5% | $5,033-79.2% | $592+76.6% |