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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 | $24,728 | $152,612-83.8% | $125,192-80.2% | $152,897-83.8% |
| Participation rate | 18.2% | 83.3%-65.2pp | 79.8%-61.6pp | 82.5%-64.3pp |
| Annual return | 23.45% | 54.85%-31.4pp | 43.79%-20.3pp | 345.43%-322.0pp |
| Employer contribution / active EE | $0 | $4,947-100.0% | $3,866-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $1,006 | $5,868-82.9% | $4,937-79.6% | $5,851-82.8% |
| Admin fee / account holder | $5,004 | $13,437-62.8% | $9,704-48.4% | $11,599-56.9% |