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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 | $12,589 | $54,558-76.9% | $76,051-83.4% | $74,400-83.1% |
| Participation rate | 18.8% | 60.3%-41.5pp | 69.1%-50.2pp | 67.2%-48.4pp |
| Annual return | 10.87% | 31.83%-21.0pp | 360.42%-349.6pp | 1367.51%-1356.6pp |
| Employer contribution / active EE | $0 | $1,778-100.0% | $2,690-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $354 | $3,065-88.5% | $4,257-91.7% | $4,348-91.9% |
| Admin fee / account holder | $2,256 | $2,232+1.1% | $6,416-64.8% | $1,944+16.1% |