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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 | $5,411 | $43,075-87.4% | $74,583-92.7% | $62,891-91.4% |
| Participation rate | 24.2% | 58.1%-33.9pp | 68.1%-43.9pp | 69.3%-45.1pp |
| Annual return | 5.34% | 17.50%-12.2pp | 20.47%-15.1pp | 20.14%-14.8pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,525-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $386 | $2,389-83.8% | $3,458-88.8% | $3,203-87.9% |
| Admin fee / account holder | $620 | $2,840-78.2% | $4,138-85.0% | $4,296-85.6% |