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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 | $5,205 | $76,407-93.2% | $150,298-96.5% | $82,448-93.7% |
| Participation rate | 54.0% | 66.4%-12.4pp | 77.8%-23.7pp | 68.1%-14.0pp |
| Annual return | 13.29% | 39.99%-26.7pp | 62.79%-49.5pp | 41.64%-28.3pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $673 | $3,214-79.1% | $5,453-87.7% | $4,139-83.7% |
| Admin fee / account holder | $574 | $6,352-91.0% | $14,116-95.9% | $7,234-92.1% |