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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 | $7,488 | $41,016-81.7% | $152,093-95.1% | $64,097-88.3% |
| Participation rate | 11.6% | 51.3%-39.8pp | 77.8%-66.2pp | 55.2%-43.6pp |
| Annual return | 19.29% | 39.60%-20.3pp | 66.36%-47.1pp | 34.64%-15.4pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $257 | $1,927-86.7% | $5,451-95.3% | $3,080-91.7% |
| Admin fee / account holder | $610 | $2,305-73.5% | $14,497-95.8% | $3,454-82.3% |