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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 | $25,488 | $94,436-73.0% | $115,599-78.0% | $82,637-69.2% |
| Participation rate | 20.5% | 70.4%-49.9pp | 74.3%-53.8pp | 68.1%-47.5pp |
| Annual return | 54.24% | 18.37%+35.9pp | 111.10%-56.9pp | 53.51%+0.7pp |
| Employer contribution / active EE | $0 | $2,324-100.0% | $2,955-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,282 | $3,955-67.6% | $4,889-73.8% | $4,126-68.9% |
| Admin fee / account holder | $1,268 | $10,328-87.7% | $12,841-90.1% | $7,339-82.7% |