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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 | $9,652 | $55,437-82.6% | $155,534-93.8% | $74,459-87.0% |
| Participation rate | 19.0% | 61.9%-42.8pp | 78.2%-59.2pp | 67.2%-48.2pp |
| Annual return | 14.34% | 269.58%-255.2pp | 64.92%-50.6pp | 1369.70%-1355.4pp |
| Employer contribution / active EE | $0 | $2,266-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $717 | $2,837-74.7% | $5,630-87.3% | $4,350-83.5% |
| Admin fee / account holder | $314 | $1,742-82.0% | $15,900-98.0% | $1,945-83.8% |