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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 | $10,433 | $81,208-87.2% | $98,920-89.5% | $79,856-86.9% |
| Participation rate | 37.5% | 72.5%-35.0pp | 76.0%-38.5pp | 69.6%-32.1pp |
| Annual return | 16.06% | 60.99%-44.9pp | 196.47%-180.4pp | 31.71%-15.7pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $2,689-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $463 | $3,265-85.8% | $4,245-89.1% | $3,741-87.6% |
| Admin fee / account holder | $1,076 | $6,013-82.1% | $6,643-83.8% | $5,306-79.7% |