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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 | $1,779 | $77,920-97.7% | $149,723-98.8% | $75,177-97.6% |
| Participation rate | 57.7% | 65.6%-7.8pp | 78.8%-21.0pp | 67.2%-9.5pp |
| Annual return | 23.05% | 31.72%-8.7pp | 134.50%-111.4pp | 160.75%-137.7pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $789 | $3,411-76.9% | $5,682-86.1% | $4,126-80.9% |
| Admin fee / account holder | $341 | $5,951-94.3% | $13,215-97.4% | $5,651-94.0% |