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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 | $3,915 | $76,407-94.9% | $150,298-97.4% | $82,448-95.3% |
| Participation rate | 38.9% | 66.4%-27.5pp | 77.8%-38.9pp | 68.1%-29.2pp |
| Annual return | 25.39% | 39.99%-14.6pp | 62.79%-37.4pp | 41.64%-16.2pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $825 | $3,214-74.3% | $5,453-84.9% | $4,139-80.1% |
| Admin fee / account holder | $340 | $6,352-94.6% | $14,116-97.6% | $7,234-95.3% |