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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 | $3,305 | $51,638-93.6% | $129,406-97.4% | $80,959-95.9% |
| Participation rate | 14.3% | 56.9%-42.6pp | 69.6%-55.4pp | 67.7%-53.4pp |
| Annual return | 12.39% | 20.78%-8.4pp | 9468.18%-9455.8pp | 35.67%-23.3pp |
| Employer contribution / active EE | $0 | $1,584-100.0% | $4,155-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $239 | $2,670-91.1% | $4,167-94.3% | $4,300-94.5% |
| Admin fee / account holder | $650 | $4,313-84.9% | $7,689-91.5% | $6,925-90.6% |