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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 | $89,259-96.4% | $107,187-97.0% | $82,637-96.1% |
| Participation rate | 27.2% | 67.9%-40.8pp | 75.0%-47.9pp | 68.1%-40.9pp |
| Annual return | 31.96% | 21.02%+10.9pp | 204.55%-172.6pp | 53.51%-21.6pp |
| Employer contribution / active EE | $0 | $3,080-100.0% | $3,782-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $661 | $4,037-83.6% | $5,096-87.0% | $4,126-84.0% |
| Admin fee / account holder | $549 | $7,381-92.6% | $9,162-94.0% | $7,339-92.5% |