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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 | $6,050 | $78,607-92.3% | $105,624-94.3% | $74,478-91.9% |
| Participation rate | 32.7% | 72.8%-40.1pp | 75.3%-42.6pp | 67.2%-34.5pp |
| Annual return | 11.67% | 15.96%-4.3pp | 116.20%-104.5pp | 1370.56%-1358.9pp |
| Employer contribution / active EE | $0 | $2,523-100.0% | $3,168-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $619 | $4,325-85.7% | $5,013-87.7% | $4,350-85.8% |
| Admin fee / account holder | $575 | $2,220-74.1% | $10,961-94.8% | $1,946-70.5% |