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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 | $2,053 | $48,364-95.8% | $71,796-97.1% | $62,881-96.7% |
| Participation rate | 29.6% | 60.6%-31.0pp | 69.1%-39.5pp | 69.3%-39.7pp |
| Annual return | 9.52% | 13.16%-3.6pp | 78.04%-68.5pp | 20.14%-10.6pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $494 | $2,091-76.4% | $2,794-82.3% | $3,203-84.6% |
| Admin fee / account holder | $341 | $3,771-91.0% | $4,815-92.9% | $4,296-92.1% |