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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 | $23,625 | $80,731-70.7% | $103,378-77.1% | $74,400-68.2% |
| Participation rate | 25.7% | 65.7%-40.0pp | 74.5%-48.8pp | 67.2%-41.5pp |
| Annual return | 13.47% | 27.56%-14.1pp | 24.91%-11.4pp | 1367.51%-1354.0pp |
| Employer contribution / active EE | $0 | $3,159-100.0% | $3,870-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $922 | $3,862-76.1% | $5,058-81.8% | $4,348-78.8% |
| Admin fee / account holder | $4,163 | $2,369+75.7% | $8,401-50.4% | $1,944+114.2% |