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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 | $28,982 | $137,414-78.9% | $189,520-84.7% | $85,856-66.2% |
| Participation rate | 26.1% | 84.6%-58.5pp | 87.8%-61.7pp | 69.3%-43.2pp |
| Annual return | 15.00% | 38.14%-23.1pp | 555.25%-540.2pp | 318.58%-303.6pp |
| Employer contribution / active EE | $0 | $4,344-100.0% | $6,161-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,034 | $6,260-67.5% | $8,220-75.3% | $3,952-48.5% |
| Admin fee / account holder | $2,862 | $8,630-66.8% | $12,046-76.2% | $6,261-54.3% |