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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 | $24,527 | $67,602-63.7% | $82,312-70.2% | $70,126-65.0% |
| Participation rate | 6.4% | 72.8%-66.4pp | 76.9%-70.5pp | 69.5%-63.1pp |
| Annual return | 66.10% | 21.57%+44.5pp | 25.88%+40.2pp | 73.15%-7.0pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $596 | $2,987-80.0% | $3,706-83.9% | $3,332-82.1% |
| Admin fee / account holder | $4,394 | $4,512-2.6% | $5,608-21.6% | $4,645-5.4% |