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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 | $1,971 | $59,440-96.7% | $78,004-97.5% | $82,637-97.6% |
| Participation rate | 63.6% | 62.8%+0.8pp | 69.4%-5.8pp | 68.1%-4.4pp |
| Annual return | 20.66% | 40.24%-19.6pp | 31.07%-10.4pp | 53.51%-32.8pp |
| Employer contribution / active EE | $0 | $1,750-100.0% | $2,469-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $682 | $3,138-78.3% | $4,092-83.3% | $4,126-83.5% |
| Admin fee / account holder | $307 | $5,504-94.4% | $7,578-95.9% | $7,339-95.8% |