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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 | $11,555 | $43,496-73.4% | $161,489-92.8% | $64,340-82.0% |
| Participation rate | 15.7% | 53.5%-37.8pp | 78.7%-63.0pp | 55.2%-39.5pp |
| Annual return | 51.11% | 20.76%+30.4pp | 89.72%-38.6pp | 24.14%+27.0pp |
| Employer contribution / active EE | $0 | $1,431-100.0% | $4,268-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $392 | $1,996-80.4% | $5,630-93.0% | $2,980-86.8% |
| Admin fee / account holder | $2,583 | $2,330+10.8% | $16,006-83.9% | $3,703-30.2% |