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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 | $13,973 | $106,749-86.9% | $145,433-90.4% | $82,448-83.1% |
| Participation rate | 12.8% | 75.6%-62.8pp | 82.1%-69.3pp | 68.1%-55.2pp |
| Annual return | 55.56% | 27.59%+28.0pp | 66.58%-11.0pp | 41.64%+13.9pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $714 | $6,519-89.0% | $7,897-91.0% | $4,139-82.7% |
| Admin fee / account holder | $4,121 | $8,390-50.9% | $13,129-68.6% | $7,234-43.0% |