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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 | $11,350 | $105,284-89.2% | $150,734-92.5% | $94,015-87.9% |
| Participation rate | 28.6% | 71.7%-43.2pp | 78.4%-49.9pp | 70.8%-42.2pp |
| Annual return | 20.07% | 15.67%+4.4pp | 600.81%-580.7pp | 17.84%+2.2pp |
| Employer contribution / active EE | $0 | $3,599-100.0% | $4,918-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $901 | $4,274-78.9% | $5,610-83.9% | $4,249-78.8% |
| Admin fee / account holder | $613 | $9,839-93.8% | $14,905-95.9% | $8,951-93.2% |