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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 | $3,229 | $88,672-96.4% | $105,223-96.9% | $82,448-96.1% |
| Participation rate | 27.2% | 67.9%-40.8pp | 75.0%-47.9pp | 68.1%-40.9pp |
| Annual return | 31.96% | 30.86%+1.1pp | 180.65%-148.7pp | 41.64%-9.7pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $661 | $4,036-83.6% | $5,072-87.0% | $4,139-84.0% |
| Admin fee / account holder | $549 | $7,146-92.3% | $8,859-93.8% | $7,234-92.4% |