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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 | $5,033 | $143,969-96.5% | $199,883-97.5% | $82,637-93.9% |
| Participation rate | 63.6% | 84.1%-20.5pp | 86.8%-23.1pp | 68.1%-4.4pp |
| Annual return | 30.47% | 25.67%+4.8pp | 43.81%-13.3pp | 53.51%-23.0pp |
| Employer contribution / active EE | $0 | $4,632-100.0% | $6,261-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,306 | $6,937-66.8% | $9,138-74.8% | $4,126-44.1% |
| Admin fee / account holder | $482 | $14,597-96.7% | $17,268-97.2% | $7,339-93.4% |