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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 | $8,587 | $89,367-90.4% | $141,191-93.9% | $72,975-88.2% |
| Participation rate | 57.9% | 75.1%-17.2pp | 82.5%-24.6pp | 69.5%-11.6pp |
| Annual return | 22.53% | 111.87%-89.3pp | 71.41%-48.9pp | 81.01%-58.5pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,987 | $5,419-63.3% | $6,710-70.4% | $3,608-44.9% |
| Admin fee / account holder | $504 | $5,957-91.5% | $10,264-95.1% | $5,124-90.2% |