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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 | $15,255 | $96,236-84.1% | $133,698-88.6% | $80,959-81.2% |
| Participation rate | 41.4% | 71.2%-29.8pp | 76.4%-35.0pp | 67.7%-26.2pp |
| Annual return | 11.17% | 28.74%-17.6pp | 580.90%-569.7pp | 35.67%-24.5pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $4,218-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $887 | $5,709-84.5% | $7,016-87.4% | $4,300-79.4% |
| Admin fee / account holder | $524 | $8,250-93.6% | $6,703-92.2% | $6,925-92.4% |