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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 | $5,365 | $91,439-94.1% | $135,974-96.1% | $71,511-92.5% |
| Participation rate | 36.3% | 75.7%-39.3pp | 81.9%-45.6pp | 67.9%-31.6pp |
| Annual return | 71.01% | 29.90%+41.1pp | 68.30%+2.7pp | 28.86%+42.2pp |
| Employer contribution / active EE | $0 | $3,705-100.0% | $4,859-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,636 | $7,093-76.9% | $7,760-78.9% | $4,291-61.9% |
| Admin fee / account holder | $393 | $1,267-69.0% | $10,767-96.4% | $1,588-75.3% |