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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 | $12,801 | $68,996-81.4% | $159,981-92.0% | $68,498-81.3% |
| Participation rate | 35.7% | 65.4%-29.7pp | 78.0%-42.2pp | 67.9%-32.2pp |
| Annual return | 416.58% | -9.65%+426.2pp | 408.70%+7.9pp | -7.84%+424.4pp |
| Employer contribution / active EE | $0 | $2,212-100.0% | $4,224-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,080 | $4,211-74.4% | $6,182-82.5% | $4,027-73.2% |
| Admin fee / account holder | $764 | $4,797-84.1% | $8,700-91.2% | $5,403-85.9% |