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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 | $4,845 | $58,627-91.7% | $76,735-93.7% | $82,448-94.1% |
| Participation rate | 6.0% | 63.2%-57.3pp | 69.5%-63.5pp | 68.1%-62.1pp |
| Annual return | 16.38% | 39.10%-22.7pp | 29.77%-13.4pp | 41.64%-25.3pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $104 | $3,134-96.7% | $4,088-97.5% | $4,139-97.5% |
| Admin fee / account holder | $893 | $5,323-83.2% | $7,189-87.6% | $7,234-87.7% |