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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 | $37,317 | $125,797-70.3% | $170,043-78.1% | $75,173-50.4% |
| Participation rate | 41.3% | 83.6%-42.3pp | 87.0%-45.7pp | 67.2%-25.9pp |
| Annual return | 66.74% | 27.20%+39.5pp | 53.40%+13.3pp | 160.72%-94.0pp |
| Employer contribution / active EE | $0 | $4,616-100.0% | $6,790-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,497 | $6,838-63.5% | $10,410-76.0% | $4,126-39.5% |
| Admin fee / account holder | $4,170 | $8,177-49.0% | $12,824-67.5% | $5,651-26.2% |