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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 | $2,583 | $112,729-97.7% | $98,716-97.4% | $137,256-98.1% |
| Participation rate | 64.7% | 74.2%-9.5pp | 69.3%-4.6pp | 80.0%-15.3pp |
| Annual return | 17.18% | 38.48%-21.3pp | 31.81%-14.6pp | 220.34%-203.2pp |
| Employer contribution / active EE | $0 | $2,725-100.0% | $2,279-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $762 | $4,640-83.6% | $4,048-81.2% | $6,407-88.1% |
| Admin fee / account holder | $428 | $10,129-95.8% | $8,703-95.1% | $12,270-96.5% |