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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 | $4,329 | $102,385-95.8% | $147,080-97.1% | $80,935-94.7% |
| Participation rate | 51.7% | 75.9%-24.2pp | 82.2%-30.5pp | 67.7%-16.0pp |
| Annual return | 12.95% | 135.09%-122.1pp | 420.17%-407.2pp | 35.66%-22.7pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,933-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,429 | $6,651-78.5% | $8,066-82.3% | $4,299-66.8% |
| Admin fee / account holder | $520 | $7,951-93.5% | $12,989-96.0% | $6,924-92.5% |