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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 | $12,600 | $36,002-65.0% | $161,489-92.2% | $64,728-80.5% |
| Participation rate | 8.8% | 57.4%-48.6pp | 78.7%-69.9pp | 57.9%-49.1pp |
| Annual return | 12.26% | 33.93%-21.7pp | 89.72%-77.5pp | 49.38%-37.1pp |
| Employer contribution / active EE | $0 | $1,380-100.0% | $4,268-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $240 | $1,815-86.8% | $5,630-95.7% | $2,729-91.2% |
| Admin fee / account holder | $2,147 | $931+130.7% | $16,006-86.6% | $1,145+87.5% |