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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 | $6,288 | $65,122-90.3% | $135,792-95.4% | $64,097-90.2% |
| Participation rate | 2.6% | 47.1%-44.5pp | 72.6%-69.9pp | 55.2%-52.5pp |
| Annual return | 18.40% | 14.53%+3.9pp | 25.96%-7.6pp | 34.64%-16.2pp |
| Employer contribution / active EE | $0 | $1,280-100.0% | $3,496-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $110 | $2,219-95.0% | $4,759-97.7% | $3,080-96.4% |
| Admin fee / account holder | $3,562 | $3,120+14.2% | $12,266-71.0% | $3,454+3.1% |