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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 | $5,357 | $106,267-95.0% | $96,520-94.5% | $139,456-96.2% |
| Participation rate | 18.2% | 77.8%-59.7pp | 74.3%-56.2pp | 80.3%-62.1pp |
| Annual return | 22.38% | 38.45%-16.1pp | 35.72%-13.3pp | 373.45%-351.1pp |
| Employer contribution / active EE | $0 | $4,105-100.0% | $3,739-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $509 | $5,454-90.7% | $4,879-89.6% | $6,711-92.4% |
| Admin fee / account holder | $561 | $7,882-92.9% | $6,733-91.7% | $11,407-95.1% |