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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 | $27,533 | $88,203-68.8% | $165,100-83.3% | $74,478-63.0% |
| Participation rate | 30.1% | 73.1%-43.0pp | 78.6%-48.5pp | 67.2%-37.1pp |
| Annual return | 12.21% | 17.13%-4.9pp | 70.21%-58.0pp | 1370.56%-1358.4pp |
| Employer contribution / active EE | $0 | $2,601-100.0% | $4,348-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,963 | $4,505-56.4% | $6,035-67.5% | $4,350-54.9% |
| Admin fee / account holder | $2,106 | $2,235-5.8% | $12,696-83.4% | $1,946+8.2% |