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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 | $21,878 | $98,982-77.9% | $162,177-86.5% | $65,185-66.4% |
| Participation rate | 23.7% | 85.8%-62.1pp | 87.6%-63.9pp | 70.2%-46.5pp |
| Annual return | 121.38% | 24.84%+96.5pp | 115.60%+5.8pp | 29.38%+92.0pp |
| Employer contribution / active EE | $0 | $3,467-100.0% | $5,613-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $2,250 | $5,384-58.2% | $7,297-69.2% | $3,514-36.0% |
| Admin fee / account holder | $3,975 | $596+566.6% | $10,843-63.3% | $847+369.2% |