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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 | $12,443 | $106,749-88.3% | $145,433-91.4% | $82,448-84.9% |
| Participation rate | 32.4% | 75.6%-43.2pp | 82.1%-49.7pp | 68.1%-35.6pp |
| Annual return | 195.27% | 27.59%+167.7pp | 66.58%+128.7pp | 41.64%+153.6pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,985 | $6,519-69.5% | $7,897-74.9% | $4,139-52.0% |
| Admin fee / account holder | $1,331 | $8,390-84.1% | $13,129-89.9% | $7,234-81.6% |