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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 | $15,235 | $86,298-82.3% | $111,308-86.3% | $85,847-82.3% |
| Participation rate | 43.5% | 73.3%-29.9pp | 77.3%-33.8pp | 69.3%-25.8pp |
| Annual return | 13.31% | 19.99%-6.7pp | 54.67%-41.4pp | 318.61%-305.3pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,500 | $3,641-58.8% | $4,487-66.6% | $3,952-62.1% |
| Admin fee / account holder | $1,955 | $8,189-76.1% | $7,965-75.5% | $6,261-68.8% |