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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 | $4,073 | $60,442-93.3% | $96,754-95.8% | $87,485-95.3% |
| Participation rate | 64.5% | 58.7%+5.8pp | 70.3%-5.8pp | 68.9%-4.4pp |
| Annual return | 16.19% | 21.97%-5.8pp | 82.04%-65.8pp | 26.06%-9.9pp |
| Employer contribution / active EE | $0 | $1,691-100.0% | $2,679-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $803 | $3,280-75.5% | $4,758-83.1% | $4,274-81.2% |
| Admin fee / account holder | $589 | $5,069-88.4% | $8,905-93.4% | $7,775-92.4% |