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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 | $9,121 | $91,179-90.0% | $178,499-94.9% | $79,852-88.6% |
| Participation rate | 54.4% | 69.2%-14.8pp | 81.9%-27.5pp | 69.6%-15.2pp |
| Annual return | 11.62% | 24.19%-12.6pp | 151.10%-139.5pp | 31.72%-20.1pp |
| Employer contribution / active EE | $0 | $3,256-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $667 | $3,236-79.4% | $5,202-87.2% | $3,740-82.2% |
| Admin fee / account holder | $1,706 | $6,749-74.7% | $13,986-87.8% | $5,306-67.8% |