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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 | $8,061 | $181,062-95.5% | $158,223-94.9% | $155,188-94.8% |
| Participation rate | 61.9% | 82.7%-20.7pp | 79.2%-17.3pp | 80.8%-18.9pp |
| Annual return | 15.18% | 57.39%-42.2pp | 52.09%-36.9pp | 148.84%-133.7pp |
| Employer contribution / active EE | $0 | $4,565-100.0% | $4,109-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $718 | $6,134-88.3% | $5,467-86.9% | $6,531-89.0% |
| Admin fee / account holder | $1,225 | $18,825-93.5% | $16,047-92.4% | $14,480-91.5% |