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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 | $8,449 | $175,231-95.2% | $149,696-94.4% | $139,466-93.9% |
| Participation rate | 35.0% | 83.4%-48.4pp | 78.8%-43.8pp | 80.3%-45.3pp |
| Annual return | 17.83% | 166.77%-148.9pp | 134.46%-116.6pp | 373.66%-355.8pp |
| Employer contribution / active EE | $0 | $5,478-100.0% | $4,821-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $1,403 | $6,521-78.5% | $5,682-75.3% | $6,712-79.1% |
| Admin fee / account holder | $1,939 | $16,155-88.0% | $13,212-85.3% | $11,409-83.0% |