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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 | $19,780 | $128,603-84.6% | $197,124-90.0% | $67,986-70.9% |
| Participation rate | 22.5% | 81.7%-59.2pp | 86.7%-64.3pp | 57.2%-34.7pp |
| Annual return | 48.69% | 23.77%+24.9pp | 44.34%+4.3pp | 31.67%+17.0pp |
| Employer contribution / active EE | $0 | $4,379-100.0% | $6,227-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,024 | $6,840-70.4% | $9,135-77.8% | $3,358-39.7% |
| Admin fee / account holder | $2,853 | $3,035-6.0% | $16,298-82.5% | $3,203-10.9% |