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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 | $9,376 | $95,404-90.2% | $113,397-91.7% | $82,637-88.7% |
| Participation rate | 30.0% | 72.8%-42.8pp | 76.5%-46.5pp | 68.1%-38.1pp |
| Annual return | 82.84% | 19.08%+63.8pp | 23.20%+59.6pp | 53.51%+29.3pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,177 | $4,220-72.1% | $5,076-76.8% | $4,126-71.5% |
| Admin fee / account holder | $5,433 | $9,168-40.7% | $11,957-54.6% | $7,339-26.0% |