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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 | $5,443 | $65,428-91.7% | $169,397-96.8% | $71,529-92.4% |
| Participation rate | 31.9% | 66.9%-35.0pp | 77.2%-45.3pp | 67.9%-36.1pp |
| Annual return | 17.24% | 21.35%-4.1pp | 406.23%-389.0pp | 28.97%-11.7pp |
| Employer contribution / active EE | $0 | $2,064-100.0% | $4,013-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $667 | $4,360-84.7% | $6,223-89.3% | $4,291-84.5% |
| Admin fee / account holder | $412 | $1,328-69.0% | $9,017-95.4% | $1,588-74.1% |