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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 | $6,645 | $74,089-91.0% | $133,975-95.0% | $55,167-88.0% |
| Participation rate | 13.5% | 84.3%-70.7pp | 87.1%-73.5pp | 69.0%-55.4pp |
| Annual return | 20.96% | 12.11%+8.8pp | 29.29%-8.3pp | 169.23%-148.3pp |
| Employer contribution / active EE | $0 | $3,064-100.0% | $5,211-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $816 | $4,678-82.6% | $6,282-87.0% | $3,054-73.3% |
| Admin fee / account holder | $1,312 | $458+186.5% | $9,324-85.9% | $504+160.5% |