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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 | $8,675 | $88,672-90.2% | $105,223-91.8% | $82,448-89.5% |
| Participation rate | 7.0% | 67.9%-60.9pp | 75.0%-68.0pp | 68.1%-61.1pp |
| Annual return | 16.31% | 30.86%-14.5pp | 180.65%-164.3pp | 41.64%-25.3pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $131 | $4,036-96.8% | $5,072-97.4% | $4,139-96.8% |
| Admin fee / account holder | $592 | $7,146-91.7% | $8,859-93.3% | $7,234-91.8% |