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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 | $3,793 | $91,198-95.8% | $178,503-97.9% | $79,856-95.2% |
| Participation rate | 15.2% | 69.2%-54.0pp | 81.9%-66.7pp | 69.6%-54.4pp |
| Annual return | 60.26% | 24.20%+36.1pp | 151.12%-90.9pp | 31.71%+28.5pp |
| Employer contribution / active EE | $0 | $3,257-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $493 | $3,237-84.8% | $5,202-90.5% | $3,741-86.8% |
| Admin fee / account holder | $818 | $6,748-87.9% | $13,987-94.2% | $5,306-84.6% |