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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 | $21,305 | $81,208-73.8% | $98,920-78.5% | $79,852-73.3% |
| Participation rate | 45.0% | 72.5%-27.5pp | 76.0%-31.0pp | 69.6%-24.6pp |
| Annual return | 13.68% | 60.99%-47.3pp | 196.47%-182.8pp | 31.72%-18.0pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $2,689-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $946 | $3,265-71.0% | $4,245-77.7% | $3,740-74.7% |
| Admin fee / account holder | $887 | $6,013-85.2% | $6,643-86.6% | $5,306-83.3% |