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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 | $3,052 | $59,440-94.9% | $78,004-96.1% | $82,637-96.3% |
| Participation rate | 42.1% | 62.8%-20.7pp | 69.4%-27.3pp | 68.1%-25.9pp |
| Annual return | 21.94% | 40.24%-18.3pp | 31.07%-9.1pp | 53.51%-31.6pp |
| Employer contribution / active EE | $0 | $1,750-100.0% | $2,469-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $654 | $3,138-79.2% | $4,092-84.0% | $4,126-84.1% |
| Admin fee / account holder | $582 | $5,504-89.4% | $7,578-92.3% | $7,339-92.1% |