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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 | $9,718 | $93,345-89.6% | $119,126-91.8% | $87,485-88.9% |
| Participation rate | 13.9% | 68.7%-54.8pp | 75.8%-61.9pp | 68.9%-55.0pp |
| Annual return | 19.45% | 19.08%+0.4pp | 282.11%-262.7pp | 26.06%-6.6pp |
| Employer contribution / active EE | $0 | $3,172-100.0% | $4,034-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $258 | $4,099-93.7% | $5,318-95.2% | $4,274-94.0% |
| Admin fee / account holder | $1,560 | $8,039-80.6% | $10,693-85.4% | $7,775-79.9% |