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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 | $5,550 | $75,183-92.6% | $123,894-95.5% | $55,167-89.9% |
| Participation rate | 27.5% | 72.8%-45.4pp | 81.4%-53.9pp | 69.0%-41.5pp |
| Annual return | 36.65% | 19.01%+17.6pp | 47.52%-10.9pp | 169.23%-132.6pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $594 | $5,084-88.3% | $5,984-90.1% | $3,054-80.6% |
| Admin fee / account holder | $2,123 | $663+220.4% | $8,357-74.6% | $504+321.3% |