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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 | $24,490 | $92,224-73.4% | $105,223-76.7% | $79,634-69.2% |
| Participation rate | 3.2% | 69.2%-66.0pp | 75.0%-71.9pp | 62.5%-59.3pp |
| Annual return | 19.99% | 88.65%-68.7pp | 180.65%-160.7pp | 36.46%-16.5pp |
| Employer contribution / active EE | $0 | $3,965-100.0% | $3,689-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $174 | $3,834-95.5% | $5,072-96.6% | $3,835-95.5% |
| Admin fee / account holder | $1,533 | $1,121+36.8% | $8,859-82.7% | $1,002+53.0% |