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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 | $39,036-91.2% | $80,784-95.7% | $85,851-96.0% |
| Participation rate | 9.1% | 41.6%-32.5pp | 54.2%-45.1pp | 69.3%-60.2pp |
| Annual return | 12.24% | 26.31%-14.1pp | 87.31%-75.1pp | 318.63%-306.4pp |
| 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% | $2,145-86.7% | $3,952-92.8% |
| Admin fee / account holder | $1,051 | $2,429-56.7% | $3,380-68.9% | $6,261-83.2% |