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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 | $10,197 | $176,786-94.2% | $146,643-93.0% | $167,536-93.9% |
| Participation rate | 31.6% | 83.6%-52.0pp | 80.1%-48.5pp | 82.1%-50.5pp |
| Annual return | 16.09% | 24.04%-7.9pp | 22.75%-6.7pp | 478.82%-462.7pp |
| Employer contribution / active EE | $0 | $5,161-100.0% | $4,137-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $1,010 | $6,440-84.3% | $5,506-81.7% | $6,342-84.1% |
| Admin fee / account holder | $310 | $13,262-97.7% | $10,280-97.0% | $12,315-97.5% |