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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 | $2,219 | $87,166-97.5% | $76,735-97.1% | $137,256-98.4% |
| Participation rate | 31.6% | 74.4%-42.8pp | 69.5%-37.9pp | 80.0%-48.4pp |
| Annual return | 20.47% | 26.50%-6.0pp | 29.77%-9.3pp | 220.34%-199.9pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $2,454-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $321 | $4,726-93.2% | $4,088-92.1% | $6,407-95.0% |
| Admin fee / account holder | $316 | $8,403-96.2% | $7,189-95.6% | $12,270-97.4% |