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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 | $3,449 | $62,686-94.5% | $178,540-98.1% | $77,736-95.6% |
| Participation rate | 18.7% | 66.9%-48.2pp | 77.1%-58.5pp | 70.6%-51.9pp |
| Annual return | 12.44% | 16.16%-3.7pp | 27.15%-14.7pp | 31.26%-18.8pp |
| Employer contribution / active EE | $0 | $1,914-100.0% | $3,953-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $335 | $4,224-92.1% | $6,281-94.7% | $4,651-92.8% |
| Admin fee / account holder | $661 | $386+71.2% | $10,424-93.7% | $433+52.5% |