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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 | $19,873 | $62,393-68.1% | $120,580-83.5% | $74,478-73.3% |
| Participation rate | 10.8% | 56.8%-45.9pp | 72.0%-61.1pp | 67.2%-56.4pp |
| Annual return | 16.32% | 18.61%-2.3pp | 107.48%-91.2pp | 1370.56%-1354.2pp |
| Employer contribution / active EE | $0 | $1,845-100.0% | $3,469-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $605 | $2,886-79.0% | $4,995-87.9% | $4,350-86.1% |
| Admin fee / account holder | $1,232 | $2,396-48.6% | $9,418-86.9% | $1,946-36.7% |