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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 | $1,795 | $76,407-97.7% | $150,298-98.8% | $82,448-97.8% |
| Participation rate | 15.2% | 66.4%-51.2pp | 77.8%-62.5pp | 68.1%-52.9pp |
| Annual return | 32.25% | 39.99%-7.7pp | 62.79%-30.5pp | 41.64%-9.4pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $413 | $3,214-87.2% | $5,453-92.4% | $4,139-90.0% |
| Admin fee / account holder | $391 | $6,352-93.9% | $14,116-97.2% | $7,234-94.6% |