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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 | $10,346 | $139,948-92.6% | $121,663-91.5% | $154,746-93.3% |
| Participation rate | 17.4% | 78.0%-60.6pp | 74.5%-57.1pp | 80.7%-63.3pp |
| Annual return | 14.63% | 230.52%-215.9pp | 147.54%-132.9pp | 172.34%-157.7pp |
| Employer contribution / active EE | $0 | $3,521-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $66 | $5,629-98.8% | $4,887-98.6% | $6,730-99.0% |
| Admin fee / account holder | $1,425 | $17,321-91.8% | $14,289-90.0% | $14,365-90.1% |