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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 | $21,063 | $93,589-77.5% | $135,942-84.5% | $75,181-72.0% |
| Participation rate | 15.4% | 75.2%-59.8pp | 81.9%-66.5pp | 67.2%-51.8pp |
| Annual return | 48.91% | 30.90%+18.0pp | 68.28%-19.4pp | 160.69%-111.8pp |
| Employer contribution / active EE | $0 | $3,537-100.0% | $4,858-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,564 | $6,405-75.6% | $7,759-79.8% | $4,126-62.1% |
| Admin fee / account holder | $2,719 | $6,977-61.0% | $10,764-74.7% | $5,650-51.9% |