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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 | $15,582 | $63,346-75.4% | $92,240-83.1% | $70,126-77.8% |
| Participation rate | 25.6% | 68.7%-43.1pp | 76.5%-50.9pp | 69.5%-44.0pp |
| Annual return | 16.43% | 530.19%-513.8pp | 176.29%-159.9pp | 73.15%-56.7pp |
| Employer contribution / active EE | $0 | $2,471-100.0% | $3,680-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $862 | $2,854-69.8% | $3,897-77.9% | $3,332-74.1% |
| Admin fee / account holder | $785 | $3,841-79.6% | $5,194-84.9% | $4,645-83.1% |