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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 | $18,696 | $109,359-82.9% | $162,185-88.5% | $72,976-74.4% |
| Participation rate | 52.8% | 84.3%-31.4pp | 87.6%-34.7pp | 69.5%-16.7pp |
| Annual return | 25.94% | 25.46%+0.5pp | 115.61%-89.7pp | 81.02%-55.1pp |
| Employer contribution / active EE | $0 | $3,907-100.0% | $5,613-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $782 | $5,481-85.7% | $7,297-89.3% | $3,608-78.3% |
| Admin fee / account holder | $3,470 | $7,972-56.5% | $10,844-68.0% | $5,124-32.3% |