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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 | $24,764 | $81,208-69.5% | $98,920-75.0% | $79,856-69.0% |
| Participation rate | 34.4% | 72.5%-38.1pp | 76.0%-41.6pp | 69.6%-35.2pp |
| Annual return | 109.27% | 60.99%+48.3pp | 196.47%-87.2pp | 31.71%+77.6pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $2,689-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,196 | $3,265-63.4% | $4,245-71.8% | $3,741-68.0% |
| Admin fee / account holder | $338 | $6,013-94.4% | $6,643-94.9% | $5,306-93.6% |