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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 | $102,429-78.7% | $147,096-85.2% | $80,925-73.0% |
| Participation rate | 19.8% | 75.9%-56.1pp | 82.2%-62.4pp | 67.7%-47.9pp |
| Annual return | 12.46% | 135.02%-122.6pp | 419.75%-407.3pp | 35.65%-23.2pp |
| Employer contribution / active EE | $0 | $3,716-100.0% | $4,936-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,009 | $6,649-84.8% | $8,071-87.5% | $4,299-76.5% |
| Admin fee / account holder | $3,338 | $7,957-58.1% | $13,005-74.3% | $6,940-51.9% |