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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 | $5,032 | $50,919-90.1% | $155,556-96.8% | $77,762-93.5% |
| Participation rate | 16.3% | 63.1%-46.8pp | 78.2%-62.0pp | 70.6%-54.3pp |
| Annual return | 13.58% | 34.84%-21.3pp | 64.84%-51.3pp | 31.27%-17.7pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,675-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $350 | $2,824-87.6% | $5,631-93.8% | $4,651-92.5% |
| Admin fee / account holder | $970 | $437+122.2% | $15,885-93.9% | $433+124.1% |