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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 | $4,608 | $106,864-95.7% | $147,318-96.9% | $82,637-94.4% |
| Participation rate | 34.6% | 75.5%-40.9pp | 82.1%-47.4pp | 68.1%-33.4pp |
| Annual return | 21.59% | 27.49%-5.9pp | 70.43%-48.8pp | 53.51%-31.9pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $395 | $6,496-93.9% | $7,906-95.0% | $4,126-90.4% |
| Admin fee / account holder | $545 | $8,415-93.5% | $13,708-96.0% | $7,339-92.6% |