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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 | $3,393 | $77,901-95.6% | $149,717-97.7% | $75,181-95.5% |
| Participation rate | 17.0% | 65.6%-48.6pp | 78.8%-61.8pp | 67.2%-50.2pp |
| Annual return | 21.18% | 31.73%-10.5pp | 134.41%-113.2pp | 160.69%-139.5pp |
| Employer contribution / active EE | $0 | $3,137-100.0% | $4,820-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $464 | $3,411-86.4% | $5,682-91.8% | $4,126-88.7% |
| Admin fee / account holder | $329 | $5,949-94.5% | $13,213-97.5% | $5,650-94.2% |