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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 | $14,538 | $79,089-81.6% | $100,392-85.5% | $74,459-80.5% |
| Participation rate | 29.9% | 79.4%-49.5pp | 81.5%-51.6pp | 67.2%-37.3pp |
| Annual return | 26.74% | 20.61%+6.1pp | 49.45%-22.7pp | 1369.70%-1343.0pp |
| Employer contribution / active EE | $0 | $3,015-100.0% | $3,941-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $3,196 | $7,747-58.8% | $8,090-60.5% | $4,350-26.5% |
| Admin fee / account holder | $2,511 | $1,336+87.9% | $7,904-68.2% | $1,945+29.1% |