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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 | $1,572 | $76,669-97.9% | $96,520-98.4% | $71,495-97.8% |
| Participation rate | 58.0% | 66.6%-8.6pp | 74.3%-16.3pp | 67.9%-9.9pp |
| Annual return | 26.30% | 48.29%-22.0pp | 35.72%-9.4pp | 28.85%-2.6pp |
| Employer contribution / active EE | $0 | $3,031-100.0% | $3,739-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $659 | $3,771-82.5% | $4,879-86.5% | $4,291-84.6% |
| Admin fee / account holder | $401 | $2,028-80.2% | $6,733-94.0% | $1,588-74.7% |