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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 | $7,726 | $108,882-92.9% | $96,754-92.0% | $154,746-95.0% |
| Participation rate | 41.7% | 75.1%-33.4pp | 70.3%-28.6pp | 80.7%-39.0pp |
| Annual return | 16.95% | 98.39%-81.4pp | 82.04%-65.1pp | 172.34%-155.4pp |
| Employer contribution / active EE | $0 | $3,018-100.0% | $2,679-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $921 | $5,323-82.7% | $4,758-80.6% | $6,730-86.3% |
| Admin fee / account holder | $957 | $10,200-90.6% | $8,905-89.3% | $14,365-93.3% |