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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 | $18,676 | $91,559-79.6% | $133,971-86.1% | $79,852-76.6% |
| Participation rate | 8.0% | 73.3%-65.3pp | 79.8%-71.8pp | 69.6%-61.6pp |
| Annual return | 74.98% | 61.85%+13.1pp | 45.09%+29.9pp | 31.72%+43.3pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,327 | $3,734-64.5% | $5,047-73.7% | $3,740-64.5% |
| Admin fee / account holder | $359 | $6,321-94.3% | $8,929-96.0% | $5,306-93.2% |