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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 | $733 | $41,016-98.2% | $152,093-99.5% | $64,097-98.9% |
| Participation rate | 52.4% | 51.3%+1.1pp | 77.8%-25.3pp | 55.2%-2.8pp |
| Annual return | 15.75% | 39.60%-23.9pp | 66.36%-50.6pp | 34.64%-18.9pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $315 | $1,927-83.6% | $5,451-94.2% | $3,080-89.8% |
| Admin fee / account holder | $301 | $2,305-86.9% | $14,497-97.9% | $3,454-91.3% |