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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 | $3,327 | $101,752-96.7% | $164,928-98.0% | $80,911-95.9% |
| Participation rate | 9.2% | 71.8%-62.6pp | 78.6%-69.4pp | 67.6%-58.4pp |
| Annual return | 17.03% | 16.73%+0.3pp | 70.08%-53.0pp | 35.63%-18.6pp |
| Employer contribution / active EE | $0 | $2,953-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $199 | $4,477-95.6% | $6,034-96.7% | $4,297-95.4% |
| Admin fee / account holder | $373 | $8,218-95.5% | $12,684-97.1% | $6,935-94.6% |