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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 | $16,544 | $80,674-79.5% | $119,126-86.1% | $64,340-74.3% |
| Participation rate | 24.8% | 55.2%-30.4pp | 75.8%-51.0pp | 55.2%-30.5pp |
| Annual return | 15.93% | 26.86%-10.9pp | 282.11%-266.2pp | 24.14%-8.2pp |
| Employer contribution / active EE | $0 | $2,564-100.0% | $4,034-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,078 | $3,053-64.7% | $5,318-79.7% | $2,980-63.8% |
| Admin fee / account holder | $4,156 | $4,559-8.8% | $10,693-61.1% | $3,703+12.2% |