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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 | $1,720 | $93,345-98.2% | $119,126-98.6% | $87,485-98.0% |
| Participation rate | 62.1% | 68.7%-6.7pp | 75.8%-13.7pp | 68.9%-6.9pp |
| Annual return | 14.56% | 19.08%-4.5pp | 282.11%-267.6pp | 26.06%-11.5pp |
| Employer contribution / active EE | $0 | $3,172-100.0% | $4,034-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $672 | $4,099-83.6% | $5,318-87.4% | $4,274-84.3% |
| Admin fee / account holder | $726 | $8,039-91.0% | $10,693-93.2% | $7,775-90.7% |