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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 | $2,681 | $45,343-94.1% | $150,298-98.2% | $67,986-96.1% |
| Participation rate | 13.8% | 51.9%-38.0pp | 77.8%-63.9pp | 57.2%-43.4pp |
| Annual return | 14.55% | 33.28%-18.7pp | 62.79%-48.2pp | 31.67%-17.1pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $184 | $2,055-91.0% | $5,453-96.6% | $3,358-94.5% |
| Admin fee / account holder | $1,021 | $2,250-54.6% | $14,116-92.8% | $3,203-68.1% |