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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 | $20,801 | $79,223-73.7% | $102,460-79.7% | $74,478-72.1% |
| Participation rate | 17.2% | 74.8%-57.6pp | 76.5%-59.3pp | 67.2%-50.0pp |
| Annual return | 11.84% | 54.98%-43.1pp | 29.47%-17.6pp | 1370.56%-1358.7pp |
| Employer contribution / active EE | $0 | $2,363-100.0% | $3,025-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,240 | $4,417-71.9% | $5,056-75.5% | $4,350-71.5% |
| Admin fee / account holder | $3,141 | $2,003+56.8% | $9,460-66.8% | $1,946+61.4% |