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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 | $1,172 | $51,202-97.7% | $70,548-98.3% | $75,181-98.4% |
| Participation rate | 46.2% | 61.0%-14.8pp | 68.3%-22.2pp | 67.2%-21.0pp |
| Annual return | 22.55% | 30.05%-7.5pp | 32.78%-10.2pp | 160.69%-138.1pp |
| Employer contribution / active EE | $0 | $1,827-100.0% | $2,975-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $503 | $2,850-82.3% | $4,567-89.0% | $4,126-87.8% |
| Admin fee / account holder | $346 | $4,094-91.6% | $6,424-94.6% | $5,650-93.9% |