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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 | $32,928 | $122,042-73.0% | $184,243-82.1% | $74,429-55.8% |
| Participation rate | 25.3% | 85.5%-60.1pp | 86.8%-61.5pp | 67.2%-41.9pp |
| Annual return | 15.63% | 19.91%-4.3pp | 28.82%-13.2pp | 1368.38%-1352.8pp |
| Employer contribution / active EE | $0 | $4,538-100.0% | $6,427-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $1,643 | $7,143-77.0% | $9,132-82.0% | $4,348-62.2% |
| Admin fee / account holder | $4,265 | $1,252+240.6% | $13,914-69.3% | $1,944+119.4% |