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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 | $30,955 | $79,209-60.9% | $102,434-69.8% | $74,459-58.4% |
| Participation rate | 34.4% | 74.8%-40.4pp | 76.5%-42.1pp | 67.2%-32.8pp |
| Annual return | 14.72% | 54.98%-40.3pp | 29.46%-14.7pp | 1369.70%-1355.0pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $3,023-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $736 | $4,417-83.3% | $5,055-85.4% | $4,350-83.1% |
| Admin fee / account holder | $387 | $2,002-80.6% | $9,462-95.9% | $1,945-80.1% |