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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 | $2,007 | $84,236-97.6% | $170,439-98.8% | $70,124-97.1% |
| Participation rate | 69.7% | 70.8%-1.1pp | 83.6%-13.9pp | 69.5%+0.2pp |
| Annual return | 17.66% | 23.06%-5.4pp | 205.94%-188.3pp | 73.14%-55.5pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,433-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $705 | $3,086-77.2% | $4,939-85.7% | $3,332-78.9% |
| Admin fee / account holder | $734 | $5,698-87.1% | $13,881-94.7% | $4,645-84.2% |