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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 | $12,583 | $98,766-87.3% | $149,730-91.6% | $79,852-84.2% |
| Participation rate | 23.1% | 75.8%-52.7pp | 82.5%-59.4pp | 69.6%-46.6pp |
| Annual return | 23.89% | 27.43%-3.5pp | 276.70%-252.8pp | 31.72%-7.8pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,627 | $5,681-71.4% | $6,843-76.2% | $3,740-56.5% |
| Admin fee / account holder | $400 | $6,052-93.4% | $9,310-95.7% | $5,306-92.5% |