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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 | $4,414 | $69,977-93.7% | $108,582-95.9% | $62,881-93.0% |
| Participation rate | 25.6% | 72.9%-47.3pp | 79.6%-53.9pp | 69.3%-43.7pp |
| Annual return | 9.18% | 10.73%-1.6pp | -51.70%+60.9pp | 20.14%-11.0pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $626 | $3,165-80.2% | $4,311-85.5% | $3,203-80.4% |
| Admin fee / account holder | $541 | $5,076-89.3% | $7,645-92.9% | $4,296-87.4% |