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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 | $11,442 | $90,400-87.3% | $186,193-93.9% | $87,485-86.9% |
| Participation rate | 10.3% | 66.2%-55.9pp | 77.1%-66.9pp | 68.9%-58.7pp |
| Annual return | 157.58% | 22.15%+135.4pp | 78.03%+79.5pp | 26.06%+131.5pp |
| Employer contribution / active EE | $0 | $2,170-100.0% | $3,918-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $380 | $4,330-91.2% | $6,513-94.2% | $4,274-91.1% |
| Admin fee / account holder | $3,512 | $8,673-59.5% | $11,058-68.2% | $7,775-54.8% |