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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 | $27,956 | $122,042-77.1% | $184,260-84.8% | $74,459-62.5% |
| Participation rate | 36.9% | 85.5%-48.6pp | 86.8%-49.9pp | 67.2%-30.3pp |
| Annual return | 12.83% | 19.91%-7.1pp | 28.84%-16.0pp | 1369.70%-1356.9pp |
| Employer contribution / active EE | $0 | $4,537-100.0% | $6,427-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,690 | $7,143-62.3% | $9,133-70.5% | $4,350-38.1% |
| Admin fee / account holder | $2,628 | $1,252+109.9% | $13,898-81.1% | $1,945+35.1% |