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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 | $4,195 | $154,209-97.3% | $130,062-96.8% | $139,487-97.0% |
| Participation rate | 38.1% | 82.0%-43.9pp | 78.5%-40.4pp | 80.3%-42.2pp |
| Annual return | 23.73% | 32.52%-8.8pp | -137.37%+161.1pp | 373.84%-350.1pp |
| Employer contribution / active EE | $0 | $5,292-100.0% | $4,322-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $1,177 | $6,709-82.5% | $5,821-79.8% | $6,713-82.5% |
| Admin fee / account holder | $628 | $13,988-95.5% | $10,601-94.1% | $11,407-94.5% |