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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 | $5,007 | $132,634-96.2% | $115,768-95.7% | $137,256-96.4% |
| Participation rate | 35.0% | 77.9%-42.9pp | 74.4%-39.4pp | 80.0%-45.0pp |
| Annual return | 18.67% | 160.70%-142.0pp | 100.46%-81.8pp | 220.34%-201.7pp |
| Employer contribution / active EE | $0 | $3,360-100.0% | $2,940-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $781 | $5,619-86.1% | $4,917-84.1% | $6,407-87.8% |
| Admin fee / account holder | $797 | $15,028-94.7% | $12,439-93.6% | $12,270-93.5% |