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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 | $116,175-97.9% | $93,609-97.4% | $152,870-98.4% |
| Participation rate | 25.0% | 78.0%-53.0pp | 75.8%-50.8pp | 82.4%-57.4pp |
| Annual return | 22.50% | 35.96%-13.5pp | 32.76%-10.3pp | 345.34%-322.8pp |
| Employer contribution / active EE | $0 | $3,218-100.0% | $2,718-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $686 | $4,603-85.1% | $4,069-83.2% | $5,850-88.3% |
| Admin fee / account holder | $1,049 | $10,748-90.2% | $7,889-86.7% | $11,597-91.0% |