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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 | $5,708 | $197,603-97.1% | $177,827-96.8% | $158,950-96.4% |
| Participation rate | 47.1% | 88.5%-41.5pp | 87.7%-40.7pp | 82.0%-34.9pp |
| Annual return | 11.27% | 58.76%-47.5pp | 48.32%-37.1pp | 302.91%-291.6pp |
| Employer contribution / active EE | $0 | $6,698-100.0% | $5,918-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $1,134 | $8,404-86.5% | $7,713-85.3% | $5,983-81.0% |
| Admin fee / account holder | $641 | $15,402-95.8% | $12,429-94.8% | $11,248-94.3% |