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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 | $8,810 | $80,332-89.0% | $107,187-91.8% | $64,097-86.3% |
| Participation rate | 21.3% | 54.4%-33.1pp | 75.0%-53.7pp | 55.2%-33.9pp |
| Annual return | 16.55% | 24.26%-7.7pp | 204.55%-188.0pp | 34.64%-18.1pp |
| Employer contribution / active EE | $0 | $2,501-100.0% | $3,782-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $982 | $3,109-68.4% | $5,096-80.7% | $3,080-68.1% |
| Admin fee / account holder | $483 | $4,314-88.8% | $9,162-94.7% | $3,454-86.0% |