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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 | $5,161 | $91,559-94.4% | $133,978-96.1% | $79,856-93.5% |
| Participation rate | 15.0% | 73.3%-58.3pp | 79.8%-64.8pp | 69.6%-54.6pp |
| Annual return | 15.38% | 61.85%-46.5pp | 45.10%-29.7pp | 31.71%-16.3pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $224 | $3,734-94.0% | $5,047-95.6% | $3,741-94.0% |
| Admin fee / account holder | $923 | $6,321-85.4% | $8,930-89.7% | $5,306-82.6% |