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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 | $6,224 | $72,027-91.4% | $185,835-96.7% | $79,852-92.2% |
| Participation rate | 36.4% | 65.8%-29.4pp | 78.0%-41.7pp | 69.6%-33.3pp |
| Annual return | 17.39% | 23.13%-5.7pp | 35.96%-18.6pp | 31.72%-14.3pp |
| Employer contribution / active EE | $0 | $1,965-100.0% | $4,087-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,183 | $3,780-68.7% | $5,633-79.0% | $3,740-68.4% |
| Admin fee / account holder | $2,702 | $4,513-40.1% | $9,502-71.6% | $5,306-49.1% |