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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 | $13,715 | $100,060-86.3% | $149,721-90.8% | $70,126-80.4% |
| Participation rate | 22.2% | 83.6%-61.4pp | 87.1%-64.8pp | 69.5%-47.3pp |
| Annual return | 22.93% | 27.46%-4.5pp | 1501.67%-1478.7pp | 73.15%-50.2pp |
| Employer contribution / active EE | $0 | $3,661-100.0% | $5,444-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,842 | $4,982-63.0% | $6,568-72.0% | $3,332-44.7% |
| Admin fee / account holder | $427 | $8,285-94.8% | $11,282-96.2% | $4,645-90.8% |