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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 | $12,448 | $93,345-86.7% | $119,126-89.6% | $87,485-85.8% |
| Participation rate | 46.2% | 68.7%-22.6pp | 75.8%-29.6pp | 68.9%-22.8pp |
| Annual return | 22.65% | 19.08%+3.6pp | 282.11%-259.5pp | 26.06%-3.4pp |
| Employer contribution / active EE | $0 | $3,172-100.0% | $4,034-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,714 | $4,099-58.2% | $5,318-67.8% | $4,274-59.9% |
| Admin fee / account holder | $492 | $8,039-93.9% | $10,693-95.4% | $7,775-93.7% |