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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 | $3,289 | $47,479-93.1% | $62,929-94.8% | $82,448-96.0% |
| Participation rate | 56.1% | 66.9%-10.8pp | 73.1%-17.0pp | 68.1%-12.0pp |
| Annual return | 12.92% | 20.34%-7.4pp | 1063.93%-1051.0pp | 41.64%-28.7pp |
| Employer contribution / active EE | $0 | $1,885-100.0% | $2,505-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $686 | $2,870-76.1% | $3,888-82.4% | $4,139-83.4% |
| Admin fee / account holder | $418 | $3,804-89.0% | $5,065-91.7% | $7,234-94.2% |