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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 | $4,910 | $58,627-91.6% | $76,735-93.6% | $82,448-94.0% |
| Participation rate | 4.5% | 63.2%-58.7pp | 69.5%-65.0pp | 68.1%-63.5pp |
| Annual return | 22.90% | 39.10%-16.2pp | 29.77%-6.9pp | 41.64%-18.7pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $110 | $3,134-96.5% | $4,088-97.3% | $4,139-97.4% |
| Admin fee / account holder | $1,345 | $5,323-74.7% | $7,189-81.3% | $7,234-81.4% |