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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 | $88,183-72.2% | $107,187-77.2% | $71,012-65.5% |
| Participation rate | 3.2% | 67.5%-64.4pp | 75.0%-71.9pp | 58.6%-55.4pp |
| Annual return | 19.99% | 16.47%+3.5pp | 204.55%-184.6pp | 37.67%-17.7pp |
| Employer contribution / active EE | $0 | $3,914-100.0% | $3,782-100.0% | $2,348-100.0% |
| Participant deferral / active EE | $174 | $3,079-94.4% | $5,096-96.6% | $3,246-94.7% |
| Admin fee / account holder | $1,533 | $1,430+7.2% | $9,162-83.3% | $1,167+31.3% |