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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 | $7,627 | $54,690-86.1% | $76,030-90.0% | $74,478-89.8% |
| Participation rate | 9.3% | 60.3%-51.1pp | 69.1%-59.8pp | 67.2%-58.0pp |
| Annual return | 13.21% | 31.92%-18.7pp | 361.54%-348.3pp | 1370.56%-1357.4pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,688-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $354 | $3,070-88.5% | $4,257-91.7% | $4,350-91.9% |
| Admin fee / account holder | $920 | $2,240-58.9% | $6,421-85.7% | $1,946-52.7% |