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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 | $12,344 | $63,346-80.5% | $92,239-86.6% | $70,124-82.4% |
| Participation rate | 7.2% | 68.7%-61.4pp | 76.5%-69.3pp | 69.5%-62.3pp |
| Annual return | 17.28% | 530.19%-512.9pp | 176.29%-159.0pp | 73.14%-55.9pp |
| Employer contribution / active EE | $0 | $2,471-100.0% | $3,680-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $586 | $2,854-79.5% | $3,897-85.0% | $3,332-82.4% |
| Admin fee / account holder | $1,934 | $3,841-49.7% | $5,194-62.8% | $4,645-58.4% |