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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 | $8,647 | $78,690-89.0% | $161,489-94.6% | $87,485-90.1% |
| Participation rate | 14.7% | 67.5%-52.8pp | 78.7%-64.0pp | 68.9%-54.2pp |
| Annual return | 19.44% | 32.74%-13.3pp | 89.72%-70.3pp | 26.06%-6.6pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $459 | $3,311-86.1% | $5,630-91.8% | $4,274-89.3% |
| Admin fee / account holder | $846 | $6,724-87.4% | $16,006-94.7% | $7,775-89.1% |