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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 | $16,035 | $196,972-91.9% | $182,262-91.2% | $198,609-91.9% |
| Participation rate | 45.5% | 85.7%-40.2pp | 84.2%-38.8pp | 82.4%-36.9pp |
| Annual return | 14.41% | 158.27%-143.9pp | 140.60%-126.2pp | 202.70%-188.3pp |
| Employer contribution / active EE | $0 | $5,364-100.0% | $5,046-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $1,902 | $8,643-78.0% | $8,276-77.0% | $6,977-72.7% |
| Admin fee / account holder | $563 | $18,429-96.9% | $16,712-96.6% | $19,030-97.0% |