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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 | $3,846 | $125,797-96.9% | $170,043-97.7% | $75,173-94.9% |
| Participation rate | 59.4% | 83.6%-24.2pp | 87.0%-27.6pp | 67.2%-7.8pp |
| Annual return | 20.18% | 27.20%-7.0pp | 53.40%-33.2pp | 160.72%-140.5pp |
| Employer contribution / active EE | $0 | $4,616-100.0% | $6,790-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,834 | $6,838-73.2% | $10,410-82.4% | $4,126-55.6% |
| Admin fee / account holder | $831 | $8,177-89.8% | $12,824-93.5% | $5,651-85.3% |