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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 | $2,201 | $107,944-98.0% | $91,994-97.6% | $152,885-98.6% |
| Participation rate | 43.8% | 81.2%-37.4pp | 78.6%-34.9pp | 82.5%-38.7pp |
| Annual return | 31.63% | 89.26%-57.6pp | 69.03%-37.4pp | 345.39%-313.8pp |
| Employer contribution / active EE | $0 | $4,210-100.0% | $3,452-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $789 | $6,365-87.6% | $5,923-86.7% | $5,851-86.5% |
| Admin fee / account holder | $346 | $10,521-96.7% | $7,743-95.5% | $11,598-97.0% |