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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 | $43,496-93.8% | $161,489-98.3% | $64,340-95.8% |
| Participation rate | 13.8% | 53.5%-39.7pp | 78.7%-64.9pp | 55.2%-41.4pp |
| Annual return | 14.55% | 20.76%-6.2pp | 89.72%-75.2pp | 24.14%-9.6pp |
| Employer contribution / active EE | $0 | $1,431-100.0% | $4,268-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $184 | $1,996-90.8% | $5,630-96.7% | $2,980-93.8% |
| Admin fee / account holder | $1,021 | $2,330-56.2% | $16,006-93.6% | $3,703-72.4% |