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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 | $6,868 | $98,776-93.0% | $149,745-95.4% | $79,856-91.4% |
| Participation rate | 34.3% | 75.8%-41.5pp | 82.5%-48.2pp | 69.6%-35.4pp |
| Annual return | 42.04% | 27.38%+14.7pp | 276.72%-234.7pp | 31.71%+10.3pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,162 | $5,681-62.0% | $6,843-68.4% | $3,741-42.2% |
| Admin fee / account holder | $390 | $6,053-93.6% | $9,312-95.8% | $5,306-92.7% |