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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 | $21,117 | $88,360-76.1% | $145,433-85.5% | $67,986-68.9% |
| Participation rate | 42.9% | 65.5%-22.5pp | 82.1%-39.2pp | 57.2%-14.3pp |
| Annual return | 16.23% | 63.15%-46.9pp | 66.58%-50.3pp | 31.67%-15.4pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $957 | $5,932-83.9% | $7,897-87.9% | $3,358-71.5% |
| Admin fee / account holder | $351 | $3,313-89.4% | $13,129-97.3% | $3,203-89.1% |