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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 | $2,102 | $74,535-97.2% | $100,712-97.9% | $82,637-97.5% |
| Participation rate | 29.0% | 61.2%-32.1pp | 69.3%-40.2pp | 68.1%-39.0pp |
| Annual return | 17.74% | 18.92%-1.2pp | 33.27%-15.5pp | 53.51%-35.8pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $158 | $3,074-94.9% | $4,085-96.1% | $4,126-96.2% |
| Admin fee / account holder | $302 | $6,576-95.4% | $9,256-96.7% | $7,339-95.9% |