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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 | $7,220 | $125,797-94.3% | $170,057-95.8% | $75,177-90.4% |
| Participation rate | 67.6% | 83.6%-16.0pp | 87.0%-19.4pp | 67.2%+0.4pp |
| Annual return | 17.63% | 27.20%-9.6pp | 53.42%-35.8pp | 160.75%-143.1pp |
| Employer contribution / active EE | $0 | $4,616-100.0% | $6,790-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,110 | $6,838-83.8% | $10,411-89.3% | $4,126-73.1% |
| Admin fee / account holder | $643 | $8,177-92.1% | $12,826-95.0% | $5,651-88.6% |