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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 | $10,592 | $45,123-76.5% | $85,240-87.6% | $74,478-85.8% |
| Participation rate | 12.8% | 49.4%-36.5pp | 67.5%-54.7pp | 67.2%-54.4pp |
| Annual return | 12.10% | 26.32%-14.2pp | 66.75%-54.7pp | 1370.56%-1358.5pp |
| Employer contribution / active EE | $0 | $1,459-100.0% | $2,735-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $600 | $2,736-78.1% | $4,527-86.7% | $4,350-86.2% |
| Admin fee / account holder | $1,274 | $2,215-42.5% | $6,165-79.3% | $1,946-34.5% |