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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 | $16,463 | $82,133-80.0% | $147,318-88.8% | $64,097-74.3% |
| Participation rate | 31.7% | 62.3%-30.6pp | 82.1%-50.4pp | 55.2%-23.5pp |
| Annual return | 17.55% | 78.78%-61.2pp | 70.43%-52.9pp | 34.64%-17.1pp |
| Employer contribution / active EE | $0 | $2,872-100.0% | $4,593-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,104 | $5,407-79.6% | $7,906-86.0% | $3,080-64.1% |
| Admin fee / account holder | $1,084 | $3,730-70.9% | $13,708-92.1% | $3,454-68.6% |