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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 | $6,999 | $46,464-84.9% | $150,298-95.3% | $79,634-91.2% |
| Participation rate | 5.9% | 57.0%-51.0pp | 77.8%-71.8pp | 62.5%-56.6pp |
| Annual return | 13.19% | 27.89%-14.7pp | 62.79%-49.6pp | 36.46%-23.3pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $4,154-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $131 | $2,157-93.9% | $5,453-97.6% | $3,835-96.6% |
| Admin fee / account holder | $1,621 | $891+82.0% | $14,116-88.5% | $1,002+61.8% |