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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 | $19,599 | $107,079-81.7% | $151,266-87.0% | $87,485-77.6% |
| Participation rate | 35.7% | 71.1%-35.4pp | 77.0%-41.3pp | 68.9%-33.2pp |
| Annual return | 18.51% | 22.17%-3.7pp | 180.60%-162.1pp | 26.06%-7.6pp |
| Employer contribution / active EE | $0 | $3,174-100.0% | $4,237-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $720 | $5,789-87.6% | $7,337-90.2% | $4,274-83.2% |
| Admin fee / account holder | $1,212 | $8,059-85.0% | $13,159-90.8% | $7,775-84.4% |