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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 | $2,313 | $41,016-94.4% | $152,093-98.5% | $64,097-96.4% |
| Participation rate | 4.5% | 51.3%-46.8pp | 77.8%-73.3pp | 55.2%-50.7pp |
| Annual return | 11.90% | 39.60%-27.7pp | 66.36%-54.5pp | 34.64%-22.7pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $60 | $1,927-96.9% | $5,451-98.9% | $3,080-98.1% |
| Admin fee / account holder | $322 | $2,305-86.0% | $14,497-97.8% | $3,454-90.7% |