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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 | $4,741 | $48,011-90.1% | $63,803-92.6% | $82,637-94.3% |
| Participation rate | 18.6% | 66.6%-48.0pp | 72.7%-54.1pp | 68.1%-49.4pp |
| Annual return | 25.46% | 19.84%+5.6pp | 543.72%-518.3pp | 53.51%-28.0pp |
| Employer contribution / active EE | $0 | $1,904-100.0% | $2,532-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $304 | $2,846-89.3% | $3,843-92.1% | $4,126-92.6% |
| Admin fee / account holder | $350 | $3,873-91.0% | $5,196-93.3% | $7,339-95.2% |