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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 | $1,637 | $108,825-98.5% | $156,181-99.0% | $82,448-98.0% |
| Participation rate | 62.1% | 72.4%-10.3pp | 78.8%-16.8pp | 68.1%-6.0pp |
| Annual return | 22.29% | 20.59%+1.7pp | 64.87%-42.6pp | 41.64%-19.3pp |
| Employer contribution / active EE | $0 | $2,870-100.0% | $4,294-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $718 | $4,577-84.3% | $6,132-88.3% | $4,139-82.7% |
| Admin fee / account holder | $475 | $9,341-94.9% | $14,586-96.7% | $7,234-93.4% |