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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 | $2,739 | $86,891-96.8% | $142,460-98.1% | $75,181-96.4% |
| Participation rate | 65.5% | 68.5%-3.0pp | 76.8%-11.3pp | 67.2%-1.7pp |
| Annual return | 33.97% | 23.31%+10.7pp | 19.99%+14.0pp | 160.69%-126.7pp |
| Employer contribution / active EE | $0 | $3,355-100.0% | $4,847-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,138 | $4,938-76.9% | $6,283-81.9% | $4,126-72.4% |
| Admin fee / account holder | $330 | $7,299-95.5% | $10,011-96.7% | $5,650-94.2% |