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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 | $1,616 | $55,902-97.1% | $76,030-97.9% | $80,959-98.0% |
| Participation rate | 29.2% | 62.1%-32.9pp | 69.1%-39.9pp | 67.7%-38.5pp |
| Annual return | 11.75% | 20.59%-8.8pp | 361.54%-349.8pp | 35.67%-23.9pp |
| Employer contribution / active EE | $0 | $1,867-100.0% | $2,688-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $531 | $3,051-82.6% | $4,257-87.5% | $4,300-87.7% |
| Admin fee / account holder | $865 | $5,239-83.5% | $6,421-86.5% | $6,925-87.5% |