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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 | $8,904 | $76,383-88.3% | $121,663-92.7% | $64,340-86.2% |
| Participation rate | 34.8% | 60.4%-25.6pp | 74.5%-39.7pp | 55.2%-20.4pp |
| Annual return | 16.88% | 16.98%-0.1pp | 147.54%-130.7pp | 24.14%-7.3pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,020-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $632 | $3,149-79.9% | $4,887-87.1% | $2,980-78.8% |
| Admin fee / account holder | $1,997 | $4,142-51.8% | $14,289-86.0% | $3,703-46.1% |