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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 | $8,750 | $122,063-92.8% | $184,256-95.3% | $74,478-88.3% |
| Participation rate | 44.3% | 85.5%-41.2pp | 86.8%-42.5pp | 67.2%-22.9pp |
| Annual return | 12.56% | 19.92%-7.4pp | 28.85%-16.3pp | 1370.56%-1358.0pp |
| Employer contribution / active EE | $0 | $4,539-100.0% | $6,427-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,573 | $7,144-78.0% | $9,133-82.8% | $4,350-63.8% |
| Admin fee / account holder | $450 | $1,253-64.1% | $13,899-96.8% | $1,946-76.9% |