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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 | $3,572 | $58,627-93.9% | $76,735-95.3% | $82,448-95.7% |
| Participation rate | 55.1% | 63.2%-8.1pp | 69.5%-14.4pp | 68.1%-13.0pp |
| Annual return | 21.20% | 39.10%-17.9pp | 29.77%-8.6pp | 41.64%-20.4pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $767 | $3,134-75.5% | $4,088-81.2% | $4,139-81.5% |
| Admin fee / account holder | $308 | $5,323-94.2% | $7,189-95.7% | $7,234-95.7% |