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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 | $16,648 | $58,320-71.5% | $86,438-80.7% | $66,938-75.1% |
| Participation rate | 30.3% | 78.6%-48.3pp | 80.3%-50.0pp | 69.8%-39.5pp |
| Annual return | 13.07% | -9.71%+22.8pp | 4397.19%-4384.1pp | 1.58%+11.5pp |
| Employer contribution / active EE | $0 | $2,615-100.0% | $3,769-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $2,726 | $6,899-60.5% | $6,952-60.8% | $4,238-35.7% |
| Admin fee / account holder | $1,061 | $546+94.4% | $6,733-84.2% | $594+78.8% |