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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 | $5,460 | $61,125-91.1% | $94,057-94.2% | $87,485-93.8% |
| Participation rate | 9.1% | 64.1%-55.0pp | 73.3%-64.3pp | 68.9%-59.8pp |
| Annual return | 15.51% | 35.20%-19.7pp | 480.62%-465.1pp | 26.06%-10.6pp |
| Employer contribution / active EE | $0 | $2,136-100.0% | $2,933-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $87 | $3,260-97.3% | $4,709-98.1% | $4,274-98.0% |
| Admin fee / account holder | $553 | $5,629-90.2% | $7,244-92.4% | $7,775-92.9% |