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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 | $2,563 | $106,905-97.6% | $84,020-96.9% | $152,885-98.3% |
| Participation rate | 26.7% | 75.2%-48.6pp | 69.0%-42.3pp | 82.5%-55.8pp |
| Annual return | 24.34% | 105.00%-80.7pp | 71.31%-47.0pp | 345.39%-321.0pp |
| Employer contribution / active EE | $0 | $2,735-100.0% | $1,984-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $495 | $4,012-87.7% | $3,239-84.7% | $5,851-91.5% |
| Admin fee / account holder | $2,013 | $8,287-75.7% | $6,101-67.0% | $11,598-82.6% |