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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 | $25,162 | $104,479-75.9% | $159,474-84.2% | $79,391-68.3% |
| Participation rate | 43.7% | 76.6%-32.9pp | 82.8%-39.1pp | 70.7%-27.0pp |
| Annual return | 17.54% | 67.98%-50.4pp | 263.68%-246.1pp | 116.88%-99.3pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,831-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $2,921 | $6,468-54.8% | $7,353-60.3% | $4,046-27.8% |
| Admin fee / account holder | $448 | $711-37.0% | $10,802-95.9% | $627-28.5% |