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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 | $3,897 | $75,541-94.8% | $152,093-97.4% | $82,637-95.3% |
| Participation rate | 30.8% | 66.5%-35.8pp | 77.8%-47.0pp | 68.1%-37.3pp |
| Annual return | 15.50% | 32.56%-17.1pp | 66.36%-50.9pp | 53.51%-38.0pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $582 | $3,206-81.8% | $5,451-89.3% | $4,126-85.9% |
| Admin fee / account holder | $1,203 | $6,405-81.2% | $14,497-91.7% | $7,339-83.6% |