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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 | $99,875-87.5% | $146,866-91.5% | $86,983-85.7% |
| Participation rate | 32.4% | 75.8%-43.4pp | 82.5%-50.1pp | 69.5%-37.1pp |
| Annual return | 195.27% | 28.10%+167.2pp | 102.85%+92.4pp | 25.83%+169.4pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,425-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,985 | $6,322-68.6% | $7,759-74.4% | $4,194-52.7% |
| Admin fee / account holder | $1,331 | $7,838-83.0% | $13,620-90.2% | $7,856-83.1% |