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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 | $22,498 | $102,422-78.0% | $147,117-84.7% | $80,959-72.2% |
| Participation rate | 8.9% | 75.9%-67.0pp | 82.2%-73.3pp | 67.7%-58.8pp |
| Annual return | 15.32% | 135.16%-119.8pp | 420.54%-405.2pp | 35.67%-20.3pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,932-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,099 | $6,652-83.5% | $8,065-86.4% | $4,300-74.4% |
| Admin fee / account holder | $6,394 | $7,953-19.6% | $12,993-50.8% | $6,925-7.7% |