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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 | $15,365 | $85,766-82.1% | $136,297-88.7% | $70,124-78.1% |
| Participation rate | 13.9% | 74.2%-60.3pp | 81.9%-68.0pp | 69.5%-55.7pp |
| Annual return | 16.01% | 31.45%-15.4pp | 5156.19%-5140.2pp | 73.14%-57.1pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,312 | $5,051-74.0% | $6,247-79.0% | $3,332-60.6% |
| Admin fee / account holder | $8,143 | $5,420+50.2% | $9,244-11.9% | $4,645+75.3% |