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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 | $2,411 | $76,834-96.9% | $108,359-97.8% | $87,485-97.2% |
| Participation rate | 55.3% | 61.7%-6.4pp | 70.1%-14.8pp | 68.9%-13.6pp |
| Annual return | 29.22% | 19.09%+10.1pp | 36.89%-7.7pp | 26.06%+3.2pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $368 | $3,100-88.1% | $4,137-91.1% | $4,274-91.4% |
| Admin fee / account holder | $1,036 | $6,537-84.2% | $9,741-89.4% | $7,775-86.7% |