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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 | $5,933 | $95,383-93.8% | $185,837-96.8% | $85,856-93.1% |
| Participation rate | 35.4% | 68.8%-33.3pp | 81.7%-46.3pp | 69.3%-33.9pp |
| Annual return | 13.71% | 23.59%-9.9pp | 122.08%-108.4pp | 318.58%-304.9pp |
| Employer contribution / active EE | $529 | $3,313-84.0% | $5,168-89.8% | $2,565-79.4% |
| Participant deferral / active EE | $683 | $3,423-80.1% | $5,568-87.7% | $3,952-82.7% |
| Admin fee / account holder | $3,375 | $7,213-53.2% | $16,241-79.2% | $6,261-46.1% |