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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 | $12,183 | $44,980-72.9% | $85,063-85.7% | $77,692-84.3% |
| Participation rate | 10.6% | 48.6%-38.0pp | 67.5%-56.9pp | 70.6%-60.0pp |
| Annual return | 13.86% | 79.13%-65.3pp | 66.54%-52.7pp | 31.25%-17.4pp |
| Employer contribution / active EE | $0 | $1,607-100.0% | $2,727-100.0% | $2,726-100.0% |
| Participant deferral / active EE | $338 | $2,804-88.0% | $4,523-92.5% | $4,648-92.7% |
| Admin fee / account holder | $597 | $911-34.5% | $6,155-90.3% | $431+38.6% |