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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 | $6,961 | $70,430-90.1% | $96,572-92.8% | $85,851-91.9% |
| Participation rate | 25.0% | 61.8%-36.8pp | 69.8%-44.8pp | 69.3%-44.3pp |
| Annual return | 13.00% | 18.58%-5.6pp | 37.79%-24.8pp | 318.63%-305.6pp |
| Employer contribution / active EE | $0 | $1,413-100.0% | $2,357-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $628 | $2,894-78.3% | $3,850-83.7% | $3,952-84.1% |
| Admin fee / account holder | $1,504 | $4,996-69.9% | $6,183-75.7% | $6,261-76.0% |