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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 | $10,428 | $166,268-93.7% | $165,100-93.7% | $145,897-92.9% |
| Participation rate | 31.8% | 82.0%-50.2pp | 78.6%-46.8pp | 80.3%-48.5pp |
| Annual return | 13.20% | 100.52%-87.3pp | 70.21%-57.0pp | 552.29%-539.1pp |
| Employer contribution / active EE | $0 | $5,284-100.0% | $4,348-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $1,416 | $6,964-79.7% | $6,035-76.5% | $6,689-78.8% |
| Admin fee / account holder | $2,083 | $16,659-87.5% | $12,696-83.6% | $13,390-84.4% |