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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 | $3,030 | $83,369-96.4% | $105,223-97.1% | $67,986-95.5% |
| Participation rate | 25.9% | 56.3%-30.4pp | 75.0%-49.2pp | 57.2%-31.4pp |
| Annual return | 17.94% | 24.64%-6.7pp | 180.65%-162.7pp | 31.67%-13.7pp |
| Employer contribution / active EE | $0 | $2,541-100.0% | $3,689-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $213 | $3,295-93.5% | $5,072-95.8% | $3,358-93.7% |
| Admin fee / account holder | $387 | $4,073-90.5% | $8,859-95.6% | $3,203-87.9% |