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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 | $4,750 | $83,485-94.3% | $125,195-96.2% | $72,976-93.5% |
| Participation rate | 29.7% | 73.3%-43.6pp | 79.8%-50.1pp | 69.5%-39.8pp |
| Annual return | 85.99% | 25.77%+60.2pp | 43.79%+42.2pp | 81.02%+5.0pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $387 | $3,586-89.2% | $4,937-92.2% | $3,608-89.3% |
| Admin fee / account holder | $330 | $5,518-94.0% | $9,704-96.6% | $5,124-93.6% |