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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 | $3,354 | $45,126-92.6% | $85,187-96.1% | $74,459-95.5% |
| Participation rate | 14.1% | 49.4%-35.3pp | 67.5%-53.5pp | 67.2%-53.2pp |
| Annual return | 14.36% | 26.30%-11.9pp | 66.67%-52.3pp | 1369.70%-1355.3pp |
| Employer contribution / active EE | $0 | $1,460-100.0% | $2,732-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $333 | $2,738-87.9% | $4,525-92.6% | $4,350-92.4% |
| Admin fee / account holder | $428 | $2,212-80.6% | $6,162-93.1% | $1,945-78.0% |