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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 | $9,674 | $78,428-87.7% | $95,960-89.9% | $79,852-87.9% |
| Participation rate | 19.7% | 73.5%-53.8pp | 77.1%-57.4pp | 69.6%-49.9pp |
| Annual return | 29.12% | 19.37%+9.7pp | 91.63%-62.5pp | 31.72%-2.6pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,268 | $3,440-63.1% | $4,167-69.6% | $3,740-66.1% |
| Admin fee / account holder | $463 | $5,622-91.8% | $6,797-93.2% | $5,306-91.3% |