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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 | $75,058-79.1% | $152,301-89.7% | $64,340-75.6% |
| Participation rate | 5.8% | 60.9%-55.1pp | 82.4%-76.7pp | 55.2%-49.5pp |
| Annual return | 45.74% | 29.93%+15.8pp | 80.50%-34.8pp | 24.14%+21.6pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $4,624-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $261 | $5,041-94.8% | $8,004-96.7% | $2,980-91.3% |
| Admin fee / account holder | $388 | $4,050-90.4% | $14,398-97.3% | $3,703-89.5% |