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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 | $21,581 | $101,591-78.8% | $147,096-85.3% | $74,429-71.0% |
| Participation rate | 35.5% | 75.5%-40.1pp | 82.2%-46.7pp | 67.2%-31.8pp |
| Annual return | 24.97% | 8746.45%-8721.5pp | 419.75%-394.8pp | 1368.38%-1343.4pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,936-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $2,882 | $7,302-60.5% | $8,071-64.3% | $4,348-33.7% |
| Admin fee / account holder | $3,439 | $1,750+96.5% | $13,005-73.6% | $1,944+76.9% |