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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 | $5,038 | $88,672-94.3% | $105,223-95.2% | $82,448-93.9% |
| Participation rate | 52.5% | 67.9%-15.5pp | 75.0%-22.6pp | 68.1%-15.6pp |
| Annual return | 22.41% | 30.86%-8.4pp | 180.65%-158.2pp | 41.64%-19.2pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $998 | $4,036-75.3% | $5,072-80.3% | $4,139-75.9% |
| Admin fee / account holder | $365 | $7,146-94.9% | $8,859-95.9% | $7,234-94.9% |