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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 | $4,111 | $87,132-95.3% | $105,624-96.1% | $80,959-94.9% |
| Participation rate | 46.0% | 70.4%-24.4pp | 75.3%-29.2pp | 67.7%-21.6pp |
| Annual return | 11.00% | 17.03%-6.0pp | 116.20%-105.2pp | 35.67%-24.7pp |
| Employer contribution / active EE | $0 | $2,397-100.0% | $3,168-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,515 | $3,985-62.0% | $5,013-69.8% | $4,300-64.8% |
| Admin fee / account holder | $1,621 | $8,449-80.8% | $10,961-85.2% | $6,925-76.6% |