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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 | $6,905 | $125,190-94.5% | $105,624-93.5% | $145,897-95.3% |
| Participation rate | 8.3% | 77.6%-69.3pp | 75.3%-66.9pp | 80.3%-72.0pp |
| Annual return | 9.72% | 225.22%-215.5pp | 116.20%-106.5pp | 552.29%-542.6pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,168-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $253 | $5,716-95.6% | $5,013-95.0% | $6,689-96.2% |
| Admin fee / account holder | $483 | $17,138-97.2% | $10,961-95.6% | $13,390-96.4% |