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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 | $4,416 | $70,684-93.8% | $169,397-97.4% | $75,177-94.1% |
| Participation rate | 11.8% | 64.8%-53.0pp | 77.2%-65.4pp | 67.2%-55.4pp |
| Annual return | 14.33% | 36.38%-22.1pp | 406.23%-391.9pp | 160.75%-146.4pp |
| Employer contribution / active EE | $0 | $2,211-100.0% | $4,013-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $303 | $4,310-93.0% | $6,223-95.1% | $4,126-92.6% |
| Admin fee / account holder | $1,121 | $5,404-79.2% | $9,017-87.6% | $5,651-80.2% |