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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 | $4,188 | $77,908-94.6% | $149,696-97.2% | $75,173-94.4% |
| Participation rate | 6.7% | 65.6%-58.9pp | 78.8%-72.1pp | 67.2%-60.5pp |
| Annual return | 13.48% | 31.73%-18.2pp | 134.46%-121.0pp | 160.72%-147.2pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $337 | $3,411-90.1% | $5,682-94.1% | $4,126-91.8% |
| Admin fee / account holder | $1,094 | $5,950-81.6% | $13,212-91.7% | $5,651-80.6% |