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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 | $11,545 | $85,171-86.4% | $172,752-93.3% | $72,975-84.2% |
| Participation rate | 31.0% | 70.1%-39.0pp | 82.6%-51.6pp | 69.5%-38.5pp |
| Annual return | 18.64% | 27.32%-8.7pp | 802.97%-784.3pp | 81.01%-62.4pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $214 | $3,260-93.4% | $5,198-95.9% | $3,608-94.1% |
| Admin fee / account holder | $945 | $5,880-83.9% | $13,955-93.2% | $5,124-81.6% |