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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 | $6,172 | $51,166-87.9% | $70,544-91.3% | $71,511-91.4% |
| Participation rate | 12.1% | 59.4%-47.2pp | 68.4%-56.2pp | 67.9%-55.8pp |
| Annual return | 138.79% | 42.71%+96.1pp | 32.79%+106.0pp | 28.86%+109.9pp |
| Employer contribution / active EE | $0 | $1,793-100.0% | $2,976-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $388 | $3,031-87.2% | $4,568-91.5% | $4,291-91.0% |
| Admin fee / account holder | $354 | $2,000-82.3% | $6,427-94.5% | $1,588-77.7% |