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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 | $23,148 | $89,588-74.2% | $136,072-83.0% | $77,736-70.2% |
| Participation rate | 9.9% | 74.3%-64.4pp | 76.4%-66.5pp | 70.6%-60.6pp |
| Annual return | 13.45% | 17.42%-4.0pp | 580.46%-567.0pp | 31.26%-17.8pp |
| Employer contribution / active EE | $0 | $3,491-100.0% | $4,216-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $989 | $5,592-82.3% | $7,028-85.9% | $4,651-78.7% |
| Admin fee / account holder | $1,746 | $539+224.1% | $6,718-74.0% | $433+303.1% |