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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 | $14,167 | $106,749-86.7% | $145,433-90.3% | $82,448-82.8% |
| Participation rate | 65.9% | 75.6%-9.7pp | 82.1%-16.2pp | 68.1%-2.1pp |
| Annual return | 253.36% | 27.59%+225.8pp | 66.58%+186.8pp | 41.64%+211.7pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,971 | $6,519-69.8% | $7,897-75.0% | $4,139-52.4% |
| Admin fee / account holder | $2,130 | $8,390-74.6% | $13,129-83.8% | $7,234-70.6% |