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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 | $8,752 | $65,566-86.7% | $86,235-89.9% | $75,177-88.4% |
| Participation rate | 10.0% | 60.5%-50.5pp | 69.0%-59.0pp | 67.2%-57.2pp |
| Annual return | 21.78% | 46.07%-24.3pp | 1170.03%-1148.3pp | 160.75%-139.0pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,381-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $620 | $3,023-79.5% | $3,987-84.5% | $4,126-85.0% |
| Admin fee / account holder | $2,733 | $5,470-50.0% | $6,856-60.1% | $5,651-51.6% |