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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 | $54,674-91.9% | $76,089-94.2% | $74,429-94.0% |
| Participation rate | 20.7% | 60.3%-39.7pp | 69.1%-48.4pp | 67.2%-46.6pp |
| Annual return | 15.72% | 31.89%-16.2pp | 360.94%-345.2pp | 1368.38%-1352.7pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,690-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $656 | $3,071-78.6% | $4,259-84.6% | $4,348-84.9% |
| Admin fee / account holder | $446 | $2,238-80.1% | $6,418-93.0% | $1,944-77.0% |