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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 | $11,259 | $50,554-77.7% | $67,681-83.4% | $87,485-87.1% |
| Participation rate | 8.0% | 67.7%-59.7pp | 73.7%-65.7pp | 68.9%-60.9pp |
| Annual return | 23.75% | 17.81%+5.9pp | 590.58%-566.8pp | 26.06%-2.3pp |
| Employer contribution / active EE | $0 | $1,988-100.0% | $2,678-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $765 | $2,961-74.2% | $3,976-80.8% | $4,274-82.1% |
| Admin fee / account holder | $776 | $4,132-81.2% | $6,100-87.3% | $7,775-90.0% |