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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 | $1,632 | $57,590-97.2% | $86,233-98.1% | $82,448-98.0% |
| Participation rate | 37.2% | 57.9%-20.7pp | 69.0%-31.8pp | 68.1%-30.9pp |
| Annual return | 16.76% | 22.41%-5.7pp | 61.39%-44.6pp | 41.64%-24.9pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $311 | $3,080-89.9% | $4,559-93.2% | $4,139-92.5% |
| Admin fee / account holder | $501 | $4,730-89.4% | $8,342-94.0% | $7,234-93.1% |