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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 | $7,244 | $69,823-89.6% | $77,183-90.6% | $74,440-90.3% |
| Participation rate | 12.2% | 70.0%-57.8pp | 69.6%-57.4pp | 70.7%-58.5pp |
| Annual return | 69.89% | 19.99%+49.9pp | 37.89%+32.0pp | 34.37%+35.5pp |
| Employer contribution / active EE | $0 | $2,148-100.0% | $2,534-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $485 | $3,558-86.4% | $3,833-87.3% | $4,529-89.3% |
| Admin fee / account holder | $849 | $398+113.6% | $5,475-84.5% | $348+144.2% |