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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 | $14,456 | $65,904-78.1% | $160,784-91.0% | $79,634-81.8% |
| Participation rate | 10.7% | 56.2%-45.6pp | 77.0%-66.3pp | 62.5%-51.8pp |
| Annual return | 24.59% | 20.16%+4.4pp | 1803.92%-1779.3pp | 36.46%-11.9pp |
| Employer contribution / active EE | $0 | $1,805-100.0% | $3,733-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $351 | $3,692-90.5% | $6,293-94.4% | $3,835-90.9% |
| Admin fee / account holder | $753 | $965-22.0% | $9,717-92.3% | $1,002-24.9% |