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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 | $8,272 | $93,617-91.2% | $135,982-93.9% | $75,177-89.0% |
| Participation rate | 36.3% | 75.2%-39.0pp | 81.9%-45.7pp | 67.2%-31.0pp |
| Annual return | 0.00% | 30.89%-30.9pp | 68.32%-68.3pp | 160.75%-160.8pp |
| Employer contribution / active EE | $1,326 | $3,538-62.5% | $4,859-72.7% | $2,671-50.3% |
| Participant deferral / active EE | $2,210 | $6,406-65.5% | $7,760-71.5% | $4,126-46.4% |
| Admin fee / account holder | $1,045 | $6,980-85.0% | $10,767-90.3% | $5,651-81.5% |