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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 | $6,388 | $58,627-89.1% | $76,735-91.7% | $82,448-92.3% |
| Participation rate | 14.1% | 63.2%-49.1pp | 69.5%-55.4pp | 68.1%-54.0pp |
| Annual return | 16.23% | 39.10%-22.9pp | 29.77%-13.5pp | 41.64%-25.4pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $423 | $3,134-86.5% | $4,088-89.7% | $4,139-89.8% |
| Admin fee / account holder | $750 | $5,323-85.9% | $7,189-89.6% | $7,234-89.6% |