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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 | $3,451 | $39,019-91.2% | $80,727-95.7% | $85,854-96.0% |
| Participation rate | 9.1% | 41.5%-32.5pp | 54.2%-45.1pp | 69.3%-60.2pp |
| Annual return | 12.24% | 26.27%-14.0pp | 87.28%-75.0pp | 318.56%-306.3pp |
| Employer contribution / active EE | $0 | $722-100.0% | $1,160-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $285 | $1,326-78.5% | $2,146-86.7% | $3,952-92.8% |
| Admin fee / account holder | $1,051 | $2,431-56.7% | $3,380-68.9% | $6,260-83.2% |