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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 | $14,489 | $93,598-84.5% | $135,974-89.3% | $75,173-80.7% |
| Participation rate | 22.4% | 75.2%-52.8pp | 81.9%-59.5pp | 67.2%-44.8pp |
| Annual return | 43.48% | 30.89%+12.6pp | 68.30%-24.8pp | 160.72%-117.2pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,510 | $6,405-60.8% | $7,760-67.7% | $4,126-39.2% |
| Admin fee / account holder | $865 | $6,978-87.6% | $10,767-92.0% | $5,651-84.7% |