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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 | $17,373 | $65,034-73.3% | $90,970-80.9% | $79,856-78.2% |
| Participation rate | 56.3% | 61.6%-5.4pp | 69.0%-12.8pp | 69.6%-13.4pp |
| Annual return | 11.02% | 30.45%-19.4pp | 134.60%-123.6pp | 31.71%-20.7pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $878 | $2,512-65.1% | $3,373-74.0% | $3,741-76.5% |
| Admin fee / account holder | $395 | $4,536-91.3% | $5,961-93.4% | $5,306-92.6% |