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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 | $17,853 | $56,638-68.5% | $169,397-89.5% | $74,473-76.0% |
| Participation rate | 8.4% | 67.5%-59.2pp | 77.2%-68.8pp | 70.7%-62.4pp |
| Annual return | 26.50% | 24.75%+1.8pp | 406.23%-379.7pp | 34.36%-7.9pp |
| Employer contribution / active EE | $0 | $2,027-100.0% | $4,013-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $375 | $4,223-91.1% | $6,223-94.0% | $4,530-91.7% |
| Admin fee / account holder | $573 | $307+86.8% | $9,017-93.7% | $347+65.0% |