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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 | $9,817 | $125,184-92.2% | $105,607-90.7% | $145,884-93.3% |
| Participation rate | 46.7% | 77.6%-31.0pp | 75.3%-28.6pp | 80.3%-33.6pp |
| Annual return | 11.75% | 225.00%-213.3pp | 116.11%-104.4pp | 551.85%-540.1pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,167-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $1,510 | $5,714-73.6% | $5,011-69.9% | $6,690-77.4% |
| Admin fee / account holder | $1,972 | $17,133-88.5% | $10,958-82.0% | $13,392-85.3% |