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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 | $14,290 | $105,210-86.4% | $159,487-91.0% | $85,851-83.4% |
| Participation rate | 15.4% | 75.8%-60.4pp | 82.8%-67.4pp | 69.3%-53.9pp |
| Annual return | 140.01% | 45.08%+94.9pp | 263.71%-123.7pp | 318.63%-178.6pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,425 | $5,946-59.2% | $7,354-67.0% | $3,952-38.6% |
| Admin fee / account holder | $10,434 | $6,934+50.5% | $10,804-3.4% | $6,261+66.7% |