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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 | $5,555 | $78,707-92.9% | $117,861-95.3% | $70,126-92.1% |
| Participation rate | 18.1% | 73.2%-55.1pp | 79.7%-61.6pp | 69.5%-51.5pp |
| Annual return | 20.52% | 23.30%-2.8pp | 335.11%-314.6pp | 73.15%-52.6pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $431 | $3,297-86.9% | $4,482-90.4% | $3,332-87.1% |
| Admin fee / account holder | $718 | $5,066-85.8% | $8,021-91.0% | $4,645-84.5% |