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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 | $10,246 | $91,179-88.8% | $178,499-94.3% | $79,852-87.2% |
| Participation rate | 11.5% | 69.2%-57.7pp | 81.9%-70.4pp | 69.6%-58.1pp |
| Annual return | 13.55% | 24.19%-10.6pp | 151.10%-137.6pp | 31.72%-18.2pp |
| Employer contribution / active EE | $0 | $3,256-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $437 | $3,236-86.5% | $5,202-91.6% | $3,740-88.3% |
| Admin fee / account holder | $587 | $6,749-91.3% | $13,986-95.8% | $5,306-88.9% |