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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 | $9,831 | $47,163-79.2% | $149,696-93.4% | $74,460-86.8% |
| Participation rate | 17.9% | 63.4%-45.5pp | 78.8%-60.9pp | 70.7%-52.8pp |
| Annual return | 17.50% | 22.75%-5.3pp | 134.46%-117.0pp | 34.38%-16.9pp |
| Employer contribution / active EE | $0 | $1,907-100.0% | $4,821-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $345 | $2,730-87.4% | $5,682-93.9% | $4,530-92.4% |
| Admin fee / account holder | $814 | $343+137.4% | $13,212-93.8% | $348+134.1% |