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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 | $19,493 | $98,766-80.3% | $149,730-87.0% | $79,852-75.6% |
| Participation rate | 34.3% | 75.8%-41.5pp | 82.5%-48.2pp | 69.6%-35.4pp |
| Annual return | 608.74% | 27.43%+581.3pp | 276.70%+332.0pp | 31.72%+577.0pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,230 | $5,681-78.3% | $6,843-82.0% | $3,740-67.1% |
| Admin fee / account holder | $408 | $6,052-93.3% | $9,310-95.6% | $5,306-92.3% |