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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 | $25,321 | $227,399-88.9% | $189,758-86.7% | $198,609-87.3% |
| Participation rate | 45.5% | 84.0%-38.5pp | 79.8%-34.3pp | 82.4%-36.9pp |
| Annual return | 13.77% | 61.03%-47.3pp | 52.62%-38.9pp | 202.70%-188.9pp |
| Employer contribution / active EE | $0 | $5,526-100.0% | $4,767-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $1,384 | $6,837-79.8% | $5,856-76.4% | $6,977-80.2% |
| Admin fee / account holder | $4,729 | $25,162-81.2% | $20,388-76.8% | $19,030-75.1% |