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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 | $12,106 | $99,957-87.9% | $149,745-91.9% | $73,497-83.5% |
| Participation rate | 11.5% | 75.7%-64.2pp | 82.5%-71.0pp | 70.7%-59.2pp |
| Annual return | 23.44% | 53.87%-30.4pp | 276.72%-253.3pp | 28.51%-5.1pp |
| Employer contribution / active EE | $0 | $3,191-100.0% | $4,646-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $609 | $6,073-90.0% | $6,843-91.1% | $3,740-83.7% |
| Admin fee / account holder | $1,656 | $551+200.8% | $9,312-82.2% | $513+222.8% |