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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 | $7,487 | $55,453-86.5% | $170,435-95.6% | $62,293-88.0% |
| Participation rate | 25.7% | 66.4%-40.7pp | 83.6%-57.9pp | 69.5%-43.8pp |
| Annual return | 17.19% | 21.38%-4.2pp | 205.94%-188.8pp | 28.90%-11.7pp |
| Employer contribution / active EE | $0 | $2,164-100.0% | $5,432-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $472 | $2,303-79.5% | $4,939-90.4% | $3,169-85.1% |
| Admin fee / account holder | $819 | $455+79.9% | $13,881-94.1% | $479+70.8% |