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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 | $4,448 | $54,679-91.9% | $76,119-94.2% | $74,459-94.0% |
| Participation rate | 20.7% | 60.3%-39.7pp | 69.1%-48.4pp | 67.2%-46.6pp |
| Annual return | 15.72% | 31.90%-16.2pp | 361.25%-345.5pp | 1369.70%-1354.0pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,693-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $656 | $3,072-78.6% | $4,259-84.6% | $4,350-84.9% |
| Admin fee / account holder | $446 | $2,238-80.1% | $6,421-93.1% | $1,945-77.1% |