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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 | $12,999 | $56,171-76.9% | $108,745-88.0% | $55,167-76.4% |
| Participation rate | 16.0% | 70.7%-54.7pp | 77.7%-61.7pp | 69.0%-53.0pp |
| Annual return | 58.27% | 214.86%-156.6pp | 46.22%+12.1pp | 169.23%-111.0pp |
| Employer contribution / active EE | $0 | $2,153-100.0% | $3,323-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,275 | $3,437-62.9% | $5,121-75.1% | $3,054-58.2% |
| Admin fee / account holder | $2,393 | $302+693.1% | $6,144-61.1% | $504+374.8% |