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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 | $3,734 | $90,674-95.9% | $96,707-96.1% | $82,448-95.5% |
| Participation rate | 36.7% | 75.9%-39.2pp | 80.4%-43.6pp | 68.1%-31.3pp |
| Annual return | 96.87% | 49.05%+47.8pp | 34.78%+62.1pp | 41.64%+55.2pp |
| Employer contribution / active EE | $0 | $3,975-100.0% | $4,191-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $431 | $5,696-92.4% | $5,997-92.8% | $4,139-89.6% |
| Admin fee / account holder | $1,022 | $7,568-86.5% | $7,503-86.4% | $7,234-85.9% |