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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 | $14,334 | $81,504-82.4% | $102,437-86.0% | $80,959-82.3% |
| Participation rate | 13.6% | 66.9%-53.3pp | 74.5%-60.9pp | 67.7%-54.1pp |
| Annual return | 52.02% | 25.60%+26.4pp | 24.95%+27.1pp | 35.67%+16.3pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,370 | $3,871-64.6% | $5,060-72.9% | $4,300-68.1% |
| Admin fee / account holder | $10,670 | $6,719+58.8% | $8,388+27.2% | $6,925+54.1% |