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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 | $15,687 | $88,360-82.2% | $145,433-89.2% | $67,986-76.9% |
| Participation rate | 5.8% | 65.5%-59.7pp | 82.1%-76.3pp | 57.2%-51.4pp |
| Annual return | 45.74% | 63.15%-17.4pp | 66.58%-20.8pp | 31.67%+14.1pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $261 | $5,932-95.6% | $7,897-96.7% | $3,358-92.2% |
| Admin fee / account holder | $388 | $3,313-88.3% | $13,129-97.0% | $3,203-87.9% |