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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 | $11,600 | $65,960-82.4% | $81,882-85.8% | $77,762-85.1% |
| Participation rate | 16.8% | 65.8%-49.0pp | 72.4%-55.6pp | 70.6%-53.8pp |
| Annual return | 13.26% | 26.64%-13.4pp | 779.47%-766.2pp | 31.27%-18.0pp |
| Employer contribution / active EE | $0 | $2,375-100.0% | $2,916-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $821 | $3,505-76.6% | $4,323-81.0% | $4,651-82.4% |
| Admin fee / account holder | $2,921 | $526+454.8% | $7,360-60.3% | $433+574.8% |