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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 | $5,997 | $89,652-93.3% | $141,197-95.8% | $65,186-90.8% |
| Participation rate | 20.4% | 74.7%-54.3pp | 82.5%-62.1pp | 70.2%-49.8pp |
| Annual return | 122.33% | 32.79%+89.5pp | 71.41%+50.9pp | 29.39%+92.9pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $743 | $5,691-86.9% | $6,710-88.9% | $3,514-78.9% |
| Admin fee / account holder | $881 | $569+55.0% | $10,265-91.4% | $847+4.0% |