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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 | $4,592 | $65,395-93.0% | $182,540-97.5% | $72,975-93.7% |
| Participation rate | 38.0% | 65.4%-27.4pp | 78.0%-40.0pp | 69.5%-31.5pp |
| Annual return | 18.59% | 27.68%-9.1pp | 148.58%-130.0pp | 81.01%-62.4pp |
| Employer contribution / active EE | $0 | $1,911-100.0% | $4,076-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $676 | $3,563-81.0% | $5,525-87.8% | $3,608-81.3% |
| Admin fee / account holder | $1,061 | $4,245-75.0% | $8,593-87.7% | $5,124-79.3% |