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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 | $20,612 | $88,360-76.7% | $145,433-85.8% | $67,986-69.7% |
| Participation rate | 14.1% | 65.5%-51.4pp | 82.1%-68.0pp | 57.2%-43.1pp |
| Annual return | 33.68% | 63.15%-29.5pp | 66.58%-32.9pp | 31.67%+2.0pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,465 | $5,932-75.3% | $7,897-81.5% | $3,358-56.4% |
| Admin fee / account holder | $7,558 | $3,313+128.1% | $13,129-42.4% | $3,203+136.0% |