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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 | $18,413 | $98,760-81.4% | $149,715-87.7% | $79,858-76.9% |
| Participation rate | 20.0% | 75.8%-55.8pp | 82.5%-62.5pp | 69.6%-49.6pp |
| Annual return | 21.10% | 27.43%-6.3pp | 276.66%-255.6pp | 31.72%-10.6pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,813 | $5,681-68.1% | $6,842-73.5% | $3,740-51.5% |
| Admin fee / account holder | $592 | $6,053-90.2% | $9,310-93.6% | $5,306-88.8% |