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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 | $101,950-75.0% | $125,529-79.7% | $86,983-70.7% |
| Participation rate | 20.5% | 70.2%-49.6pp | 74.7%-54.2pp | 69.5%-49.0pp |
| Annual return | 54.24% | 18.29%+36.0pp | 202.56%-148.3pp | 25.83%+28.4pp |
| Employer contribution / active EE | $0 | $2,358-100.0% | $3,058-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,282 | $3,862-66.8% | $4,813-73.4% | $4,194-69.4% |
| Admin fee / account holder | $1,268 | $12,791-90.1% | $16,298-92.2% | $7,856-83.9% |