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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 | $13,408 | $67,606-80.2% | $82,313-83.7% | $70,124-80.9% |
| Participation rate | 27.6% | 72.8%-45.2pp | 76.9%-49.3pp | 69.5%-42.0pp |
| Annual return | 51.99% | 21.57%+30.4pp | 25.88%+26.1pp | 73.14%-21.2pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $693 | $2,987-76.8% | $3,706-81.3% | $3,332-79.2% |
| Admin fee / account holder | $720 | $4,512-84.1% | $5,608-87.2% | $4,645-84.5% |