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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 | $3,616 | $76,407-95.3% | $150,298-97.6% | $82,448-95.6% |
| Participation rate | 19.0% | 66.4%-47.3pp | 77.8%-58.7pp | 68.1%-49.0pp |
| Annual return | 25.39% | 39.99%-14.6pp | 62.79%-37.4pp | 41.64%-16.2pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $297 | $3,214-90.8% | $5,453-94.6% | $4,139-92.8% |
| Admin fee / account holder | $897 | $6,352-85.9% | $14,116-93.6% | $7,234-87.6% |