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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 | $12,202 | $51,736-76.4% | $120,225-89.9% | $67,986-82.1% |
| Participation rate | 10.2% | 46.1%-35.8pp | 69.6%-59.3pp | 57.2%-47.0pp |
| Annual return | 17.23% | 31.98%-14.7pp | 439.23%-422.0pp | 31.67%-14.4pp |
| Employer contribution / active EE | $0 | $1,071-100.0% | $3,475-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $466 | $2,206-78.9% | $3,999-88.4% | $3,358-86.1% |
| Admin fee / account holder | $3,575 | $4,159-14.0% | $5,696-37.2% | $3,203+11.6% |