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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 | $23,267 | $88,360-73.7% | $145,433-84.0% | $67,986-65.8% |
| Participation rate | 58.1% | 65.5%-7.4pp | 82.1%-24.0pp | 57.2%+0.9pp |
| Annual return | 18.92% | 63.15%-44.2pp | 66.58%-47.7pp | 31.67%-12.7pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,422 | $5,932-76.0% | $7,897-82.0% | $3,358-57.6% |
| Admin fee / account holder | $1,698 | $3,313-48.8% | $13,129-87.1% | $3,203-47.0% |