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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 | $5,825 | $56,134-89.6% | $96,161-93.9% | $85,856-93.2% |
| Participation rate | 8.5% | 56.7%-48.2pp | 68.4%-59.9pp | 69.3%-60.8pp |
| Annual return | 18.17% | 42.30%-24.1pp | 192.01%-173.8pp | 318.58%-300.4pp |
| Employer contribution / active EE | $0 | $1,620-100.0% | $2,798-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $376 | $2,858-86.8% | $4,349-91.4% | $3,952-90.5% |
| Admin fee / account holder | $963 | $3,769-74.5% | $5,538-82.6% | $6,261-84.6% |