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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 | $25,802 | $137,414-81.2% | $189,545-86.4% | $85,851-69.9% |
| Participation rate | 46.2% | 84.6%-38.5pp | 87.8%-41.7pp | 69.3%-23.2pp |
| Annual return | 13.57% | 38.14%-24.6pp | 555.36%-541.8pp | 318.63%-305.1pp |
| Employer contribution / active EE | $0 | $4,344-100.0% | $6,162-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,088 | $6,260-82.6% | $8,220-86.8% | $3,952-72.5% |
| Admin fee / account holder | $618 | $8,630-92.8% | $12,049-94.9% | $6,261-90.1% |