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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 | $6,293 | $48,337-87.0% | $67,560-90.7% | $80,959-92.2% |
| Participation rate | 10.4% | 66.4%-56.0pp | 72.9%-62.5pp | 67.7%-57.3pp |
| Annual return | 17.68% | 18.26%-0.6pp | 3533.50%-3515.8pp | 35.67%-18.0pp |
| Employer contribution / active EE | $0 | $2,023-100.0% | $2,737-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $647 | $2,928-77.9% | $4,004-83.8% | $4,300-85.0% |
| Admin fee / account holder | $3,202 | $3,695-13.4% | $3,994-19.8% | $6,925-53.8% |