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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 | $7,757 | $89,652-91.3% | $141,191-94.5% | $65,185-88.1% |
| Participation rate | 12.5% | 74.7%-62.2pp | 82.5%-70.0pp | 70.2%-57.7pp |
| Annual return | 123.28% | 32.79%+90.5pp | 71.41%+51.9pp | 29.38%+93.9pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $732 | $5,691-87.1% | $6,710-89.1% | $3,514-79.2% |
| Admin fee / account holder | $1,475 | $569+159.5% | $10,264-85.6% | $847+74.1% |