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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 | $12,901 | $78,428-83.6% | $95,960-86.6% | $79,852-83.8% |
| Participation rate | 54.3% | 73.5%-19.1pp | 77.1%-22.7pp | 69.6%-15.3pp |
| Annual return | 13.70% | 19.37%-5.7pp | 91.63%-77.9pp | 31.72%-18.0pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,394 | $3,440-59.5% | $4,167-66.6% | $3,740-62.7% |
| Admin fee / account holder | $1,624 | $5,622-71.1% | $6,797-76.1% | $5,306-69.4% |