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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 | $2,455 | $116,203-97.9% | $93,621-97.4% | $152,909-98.4% |
| Participation rate | 25.0% | 78.1%-53.1pp | 75.8%-50.8pp | 82.5%-57.5pp |
| Annual return | 22.50% | 35.96%-13.5pp | 32.76%-10.3pp | 345.46%-323.0pp |
| Employer contribution / active EE | $0 | $3,219-100.0% | $2,719-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $686 | $4,605-85.1% | $4,070-83.2% | $5,851-88.3% |
| Admin fee / account holder | $1,049 | $10,751-90.2% | $7,890-86.7% | $11,601-91.0% |