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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 | $7,784 | $82,979-90.6% | $102,412-92.4% | $77,736-90.0% |
| Participation rate | 12.9% | 71.5%-58.6pp | 74.5%-61.6pp | 70.6%-57.7pp |
| Annual return | 95.84% | 19.11%+76.7pp | 24.94%+70.9pp | 31.26%+64.6pp |
| Employer contribution / active EE | $0 | $3,554-100.0% | $3,870-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $439 | $4,109-89.3% | $5,060-91.3% | $4,651-90.6% |
| Admin fee / account holder | $559 | $639-12.5% | $8,388-93.3% | $433+28.9% |