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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 | $19,480 | $106,247-81.7% | $147,096-86.8% | $77,714-74.9% |
| Participation rate | 18.3% | 78.4%-60.1pp | 82.2%-63.9pp | 70.6%-52.3pp |
| Annual return | 26.31% | 56.87%-30.6pp | 419.75%-393.4pp | 31.26%-4.9pp |
| Employer contribution / active EE | $0 | $4,069-100.0% | $4,936-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $2,413 | $7,996-69.8% | $8,071-70.1% | $4,649-48.1% |
| Admin fee / account holder | $1,255 | $338+270.9% | $13,005-90.4% | $433+189.6% |