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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 | $1,255 | $57,073-97.8% | $85,126-98.5% | $80,925-98.4% |
| Participation rate | 63.0% | 56.4%+6.6pp | 67.5%-4.6pp | 67.7%-4.7pp |
| Annual return | 37.90% | 21.69%+16.2pp | 66.63%-28.7pp | 35.65%+2.3pp |
| Employer contribution / active EE | $0 | $1,801-100.0% | $2,731-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $654 | $3,113-79.0% | $4,523-85.5% | $4,299-84.8% |
| Admin fee / account holder | $351 | $4,988-93.0% | $6,160-94.3% | $6,940-94.9% |