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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 | $9,089 | $83,369-89.1% | $105,223-91.4% | $67,986-86.6% |
| Participation rate | 39.3% | 56.3%-17.0pp | 75.0%-35.8pp | 57.2%-18.0pp |
| Annual return | 19.77% | 24.64%-4.9pp | 180.65%-160.9pp | 31.67%-11.9pp |
| Employer contribution / active EE | $0 | $2,541-100.0% | $3,689-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $980 | $3,295-70.3% | $5,072-80.7% | $3,358-70.8% |
| Admin fee / account holder | $955 | $4,073-76.6% | $8,859-89.2% | $3,203-70.2% |