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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 | $783 | $76,407-99.0% | $150,298-99.5% | $82,448-99.1% |
| Participation rate | 45.2% | 66.4%-21.2pp | 77.8%-32.5pp | 68.1%-22.8pp |
| Annual return | 23.17% | 39.99%-16.8pp | 62.79%-39.6pp | 41.64%-18.5pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $294 | $3,214-90.8% | $5,453-94.6% | $4,139-92.9% |
| Admin fee / account holder | $361 | $6,352-94.3% | $14,116-97.4% | $7,234-95.0% |