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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 | $21,185 | $78,707-73.1% | $117,861-82.0% | $70,126-69.8% |
| Participation rate | 39.3% | 73.2%-33.9pp | 79.7%-40.4pp | 69.5%-30.3pp |
| Annual return | 14.77% | 23.30%-8.5pp | 335.11%-320.3pp | 73.15%-58.4pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $539 | $3,297-83.7% | $4,482-88.0% | $3,332-83.8% |
| Admin fee / account holder | $2,843 | $5,066-43.9% | $8,021-64.6% | $4,645-38.8% |