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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 | $21,834 | $102,422-78.7% | $147,117-85.2% | $80,959-73.0% |
| Participation rate | 19.8% | 75.9%-56.1pp | 82.2%-62.4pp | 67.7%-47.9pp |
| Annual return | 12.46% | 135.16%-122.7pp | 420.54%-408.1pp | 35.67%-23.2pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,932-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,009 | $6,652-84.8% | $8,065-87.5% | $4,300-76.5% |
| Admin fee / account holder | $3,338 | $7,953-58.0% | $12,993-74.3% | $6,925-51.8% |