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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 | $25,685 | $100,801-74.5% | $149,745-82.8% | $73,412-65.0% |
| Participation rate | 16.2% | 77.7%-61.5pp | 82.5%-66.3pp | 72.2%-56.0pp |
| Annual return | 314.51% | 265.34%+49.2pp | 276.72%+37.8pp | 59.30%+255.2pp |
| Employer contribution / active EE | $0 | $3,312-100.0% | $4,646-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $1,034 | $6,404-83.9% | $6,843-84.9% | $3,806-72.8% |
| Admin fee / account holder | $1,306 | $181+622.4% | $9,312-86.0% | $158+727.3% |