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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 | $21,734 | $75,183-71.1% | $123,894-82.5% | $55,167-60.6% |
| Participation rate | 12.1% | 72.8%-60.7pp | 81.4%-69.3pp | 69.0%-56.8pp |
| Annual return | 7.23% | 19.01%-11.8pp | 47.52%-40.3pp | 169.23%-162.0pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,635 | $5,084-67.9% | $5,984-72.7% | $3,054-46.5% |
| Admin fee / account holder | $3,046 | $663+359.7% | $8,357-63.6% | $504+504.5% |