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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 | $16,263 | $106,230-84.7% | $147,080-88.9% | $77,736-79.1% |
| Participation rate | 24.6% | 78.4%-53.8pp | 82.2%-57.6pp | 70.6%-46.0pp |
| Annual return | 13.97% | 56.91%-42.9pp | 420.17%-406.2pp | 31.26%-17.3pp |
| Employer contribution / active EE | $0 | $4,072-100.0% | $4,933-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,122 | $8,001-86.0% | $8,066-86.1% | $4,651-75.9% |
| Admin fee / account holder | $1,551 | $338+358.5% | $12,989-88.1% | $433+258.0% |